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 (5.0 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.7%, coupled with a return on assets of 1.3 has resulted in Good (5.7) profitability.
Other Rating Factors:
Excellent current capitalization (8.5 on a scale of 0 to 10) and a capital leverage ratio of 10.0. A current level of 3.0 percent of nonperforming loans to core capital contributes to the Excellent asset quality (7.7).
Asset Mix:
Home mtgs (29%), comm re (13%), cash (9%), securities (9%), comm loans (7%), home eq lns (5%), consumer loans (1%), other (27%)
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
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