Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Very Weak overall stability index (0.9 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.5%, coupled with a return on assets of 1.5 has resulted in Fair (4.3) profitability.
Other Rating Factors:
Good liquidity 6.8, driven by a liquidity ratio of 94.5 percent and a “hot money” ratio of 7.1 percent. A current level of 0.0 percent of nonperforming loans to core capital combined with 6.3 percent from a year earlier contributes to the Excellent asset quality (8.7).
Asset Mix:
Securities (33%), home mtgs (12%), cash (3%), comm loans (2%), consumer loans (2%), comm re (0%), other (48%)
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
No affiliate information available.