Major Rating Factors:
A current level of 6.4 percent of nonperforming loans to core capital combined with 8.0 percent from a year earlier contributes to the Fair asset quality (4.3). 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).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 12.4. Operating profits as a percentage of assets at 1.8%, coupled with a return on assets of 1.4 has resulted in Good (6.9) profitability.
Asset Mix:
Comm re (13%), comm loans (12%), home mtgs (10%), cash (7%), securities (5%), consumer loans (2%), other (51%)
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
HSB Merger Co.
Investment Rating
--
Address
100 South Lincoln Avenue
Hershey, NE 69143
Hershey, NE 69143
Phone Number
(308) 368-5555
Year Founded
1968
FDIC Number
Website
Largest Affiliates
No affiliate information available.