Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 17.7 and a capital leverage ratio of 12.9. Operating profits as a percentage of assets at 2.7%, coupled with a return on assets of 2.0 has resulted in Excellent (9.6) profitability.
Other Rating Factors:
A current level of 1.7 percent of nonperforming loans to core capital combined with 6.0 percent from a year earlier contributes to the Excellent asset quality (7.5). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (7.0 on a scale of 0 to 10).
Asset Mix:
Securities (32%), comm re (14%), home mtgs (8%), comm loans (7%), cash (1%), home eq lns (1%), consumer loans (0%), other (37%)
States with Branches:
IA, 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
North Central Bancorp, Inc.
Investment Rating
--
Address
100 North 13th Street
Norfolk, NE 68701
Norfolk, NE 68701
Phone Number
(402) 371-8005
Year Founded
1969
FDIC Number
Website
Largest Affiliates
No affiliate information available.
