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 0.7%, coupled with a return on assets of 0.7 has resulted in Weak (2.9) profitability.
Other Rating Factors:
Excellent current capitalization (7.2 on a scale of 0 to 10) based on a risk-based capital ratio of 16.6 and a capital leverage ratio of 9.1. A current level of 6.2 percent of nonperforming loans to core capital combined with 1.9 percent from a year earlier contributes to the Good asset quality (6.0).
Asset Mix:
Securities (31%), home mtgs (20%), comm loans (14%), cash (7%), consumer loans (4%), other (24%)
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
Eberly Investment Co.
Investment Rating
--
Address
924 Ivy Street
Stanton, NE 68779
Stanton, NE 68779
Phone Number
(402) 439-2164
Year Founded
1882
FDIC Number
Website
Largest Affiliates
No affiliate information available.