Major Rating Factors:
Excellent current capitalization (9.8 on a scale of 0 to 10) based on a risk-based capital ratio of 16.0 and a capital leverage ratio of 10.9. Operating profits as a percentage of assets at 1.5%, coupled with a return on assets of 1.2 has resulted in Good (5.3) profitability.
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 (4.9 on a scale of 0 to 10). A current level of 8.9 percent of nonperforming loans to core capital combined with 9.5 percent from a year earlier contributes to the Fair asset quality (4.7).
Asset Mix:
Securities (25%), home mtgs (14%), comm re (9%), comm loans (9%), cash (3%), consumer loans (3%), other (37%)
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
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