Major Rating Factors:
Operating profits as a percentage of assets at 0.8%, coupled with a return on assets of 0.6 has resulted in Weak (3.0) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.4 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (8.5 on a scale of 0 to 10) based on a risk-based capital ratio of 11.0 and a capital leverage ratio of 10.0. 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 Good asset quality (6.8).
Asset Mix:
Comm loans (11%), cash (3%), securities (2%), consumer loans (2%), comm re (0%), home mtgs (0%), other (81%)
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
Lindsay State Company
Investment Rating
--
Address
102 Pine Street
Lindsay, NE 68644
Lindsay, NE 68644
Phone Number
(402) 428-3000
Year Founded
1953
FDIC Number
Website
Largest Affiliates
No affiliate information available.