Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (1.4 on a scale of 0 to 10). Operating profits as a percentage of assets at 2.0%, coupled with a return on assets of 1.8 has resulted in Good (5.9) profitability.
Other Rating Factors:
Good liquidity 6.0, driven by a liquidity ratio of 81.2 percent and a “hot money” ratio of 7.6 percent. A current level of 4.0 percent of nonperforming loans to core capital combined with 0.0 percent from a year earlier contributes to the Excellent asset quality (8.8).
Asset Mix:
Securities (32%), home mtgs (12%), cash (3%), comm re (2%), comm loans (2%), consumer loans (1%), other (49%)
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
Investment Rating
--
Address
1045 10th Avenue
Sidney, NE 69162
Sidney, NE 69162
Phone Number
(308) 254-2401
Year Founded
1899
FDIC Number
Website
Largest Affiliates
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