Major Rating Factors:
Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 0.9 has resulted in Fair (4.6) profitability. 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).
Other Rating Factors:
A current level of 0.0 percent of nonperforming loans to core capital combined with 0.0 percent from a year earlier contributes to the Excellent asset quality (8.7). Excellent current capitalization (8.0 on a scale of 0 to 10) and a capital leverage ratio of 9.6.
Asset Mix:
Home mtgs (27%), comm re (14%), securities (10%), comm loans (7%), home eq lns (5%), cash (3%), consumer loans (1%), other (32%)
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
Farmers and Merchants Financial Corporation
Investment Rating
--
Address
1501 Silver Street
Ashland, NE 68003
Ashland, NE 68003
Phone Number
(402) 944-3316
Year Founded
1883
FDIC Number
Website
Largest Affiliates
No affiliate information available.