Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.7 on a scale of 0 to 10). A current level of 2.6 percent of nonperforming loans to core capital combined with 3.3 percent from a year earlier contributes to the Good asset quality (5.7).
Other Rating Factors:
Excellent current capitalization (9.1 on a scale of 0 to 10) and a capital leverage ratio of 10.4. Operating profits as a percentage of assets at 2.0%, coupled with a return on assets of 1.6 has resulted in Excellent (8.0) profitability.
Asset Mix:
Comm re (15%), securities (12%), comm loans (10%), home mtgs (3%), cash (1%), consumer loans (1%), other (58%)
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
Henderson State Company
Investment Rating
--
Address
1040 North Main Street
Henderson, NE 68371
Henderson, NE 68371
Phone Number
(402) 723-4441
Year Founded
1943
FDIC Number
Website
Largest Affiliates
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