Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.3 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.8%, coupled with a return on assets of 0.7 has resulted in Weak (2.8) profitability.
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 14.4 and a capital leverage ratio of 11.3. Very Weak liquidity 0.2, driven by a liquidity ratio of 15.6 percent and a “hot money” ratio of 41.7 percent.
Asset Mix:
Securities (11%), comm loans (10%), comm re (9%), home mtgs (8%), consumer loans (3%), cash (3%), other (56%)
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
Central Bancshares, Inc.
Investment Rating
--
Address
904 North Highway 83
McCook, NE 69001
McCook, NE 69001
Phone Number
(308) 345-4994
Year Founded
1999
FDIC Number
Website
Largest Affiliates
Cambridge, NE
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Bank