Major Rating Factors:
Operating profits as a percentage of assets at 0.3%, coupled with a return on assets of 0.3 has resulted in Weak (1.9) profitability. A current level of 27.1 percent of nonperforming loans to core capital combined with 24.3 percent from a year earlier contributes to the Very Weak asset quality (1.0).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 14.1 and a capital leverage ratio of 11.2. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (10.0 on a scale of 0 to 10).
Asset Mix:
Comm re (25%), securities (9%), home mtgs (7%), comm loans (6%), home eq lns (3%), cash (1%), consumer loans (1%), other (48%)
States with Branches:
CO, NE, WY
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
FirsTier Bancorp.
Investment Rating
--
Address
115 South Walnut Street
Kimball, NE 69145
Kimball, NE 69145
Phone Number
(308) 235-4633
Year Founded
1955
FDIC Number
Website
Largest Affiliates
No affiliate information available.