Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 14.1. 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).
Other Rating Factors:
A current level of 2.4 percent of nonperforming loans to core capital combined with 0.9 percent from a year earlier contributes to the Excellent asset quality (8.2). Operating profits as a percentage of assets at 1.7%, coupled with a return on assets of 1.3 has resulted in Good (6.0) profitability.
Asset Mix:
Comm re (27%), securities (17%), home mtgs (10%), cash (10%), comm loans (5%), home eq lns (1%), consumer loans (1%), other (29%)
States with Branches:
CO, KS, 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
Adage, LLC
Investment Rating
--
Address
315 North Spruce Street
Ogallala, NE 69153
Ogallala, NE 69153
Phone Number
(308) 284-4071
Year Founded
1916
FDIC Number
Website
Largest Affiliates
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