Major Rating Factors:
Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 1.2 has resulted in Fair (4.7) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.7 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (9.1 on a scale of 0 to 10) based on a risk-based capital ratio of 13.1 and a capital leverage ratio of 10.4. A current level of 1.1 percent of nonperforming loans to core capital combined with 1.2 percent from a year earlier contributes to the Excellent asset quality (7.0).
Asset Mix:
Securities (18%), home mtgs (7%), comm re (7%), comm loans (5%), cash (1%), home eq lns (1%), consumer loans (1%), other (60%)
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
Citizens National Corporation
Investment Rating
--
Address
921 Avenue "E"
Wisner, NE 68791
Wisner, NE 68791
Phone Number
(402) 529-3291
Year Founded
1886
FDIC Number
Website
Largest Affiliates
No affiliate information available.