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 1.5%, coupled with a return on assets of 1.5 has resulted in Good (5.7) profitability.
Other Rating Factors:
A current level of 0.2 percent of nonperforming loans to core capital combined with 0.3 percent from a year earlier contributes to the Excellent asset quality (8.0). Excellent current capitalization (7.2 on a scale of 0 to 10) and a capital leverage ratio of 9.2.
Asset Mix:
Home mtgs (17%), comm re (9%), securities (9%), comm loans (8%), cash (5%), consumer loans (2%), home eq lns (1%), other (50%)
States with Branches:
KS, 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
Summerfield Financial Services, LLC
Investment Rating
--
Address
523 Thayer Avenue
Chester, NE 68327
Chester, NE 68327
Phone Number
(402) 324-5444
Year Founded
1917
FDIC Number
Website
Largest Affiliates
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