Major Rating Factors:
Excellent current capitalization (9.5 on a scale of 0 to 10) based on a risk-based capital ratio of 21.5 and a capital leverage ratio of 10.6. A current level of 0.0 percent of nonperforming loans to core capital combined with 0.0 percent from a year earlier contributes to the Excellent asset quality (9.1).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (7.0 on a scale of 0 to 10). Good liquidity 5.1, driven by a liquidity ratio of 58.0 percent and a “hot money” ratio of 16.7 percent.
Asset Mix:
Securities (66%), cash (3%), comm loans (3%), home mtgs (2%), comm re (1%), other (25%)
States with Branches:
NE
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
Country Bank Shares, Inc.
Investment Rating
--
Address
617 First Street
Milford, NE 68405
Milford, NE 68405
Phone Number
(402) 761-7600
Year Founded
1949
FDIC Number
Website
Largest Affiliates
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