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 1.4%, coupled with a return on assets of 1.3 has resulted in Good (5.4) profitability.
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 16.8 and a capital leverage ratio of 13.3. A current level of 3.3 percent of nonperforming loans to core capital contributes to the Good asset quality (6.6).
Asset Mix:
Securities (18%), comm loans (9%), comm re (4%), home mtgs (3%), home eq lns (3%), consumer loans (2%), cash (1%), other (61%)
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
First Laurel Security Co.
Investment Rating
--
Address
202 East Second Street
Laurel, NE 68745
Laurel, NE 68745
Phone Number
(402) 256-3247
Year Founded
1928
FDIC Number
Website
Largest Affiliates
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