Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 17.5. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.6 on a scale of 0 to 10).
Other Rating Factors:
A current level of 3.8 percent of nonperforming loans to core capital combined with 5.5 percent from a year earlier contributes to the Excellent asset quality (7.0). Operating profits as a percentage of assets at 1.5%, coupled with a return on assets of 1.3 has resulted in Good (5.7) profitability.
Asset Mix:
Securities (38%), cash (12%), comm loans (12%), comm re (3%), consumer loans (2%), home mtgs (1%), other (33%)
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
Enevoldsen Management Company
Investment Rating
--
Address
301 Chestnut Street
Potter, NE 69156
Potter, NE 69156
Phone Number
(308) 879-4451
Year Founded
1945
FDIC Number
Website
Largest Affiliates
No affiliate information available.