Major Rating Factors:
Excellent current capitalization (8.8 on a scale of 0 to 10) based on a risk-based capital ratio of 14.9 and a capital leverage ratio of 10.2. A current level of 7.8 percent of nonperforming loans to core capital combined with 10.2 percent from a year earlier contributes to the Fair asset quality (4.8).
Other 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 (4.6 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.0%, coupled with a return on assets of 0.8 has resulted in Fair (3.7) profitability.
Asset Mix:
Securities (26%), home mtgs (13%), comm loans (12%), comm re (6%), consumer loans (3%), cash (2%), other (39%)
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
State National Bancshares, Inc.
Investment Rating
--
Address
122 Main Street
Wayne, NE 68787
Wayne, NE 68787
Phone Number
(402) 375-1130
Year Founded
1892
FDIC Number
Website
Largest Affiliates
No affiliate information available.