Major Rating Factors:
Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 1.1 has resulted in Fair (4.4) profitability. 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).
Other Rating Factors:
Good current capitalization (6.8 on a scale of 0 to 10) based on a risk-based capital ratio of 11.8 and a capital leverage ratio of 8.9. A current level of 6.0 percent of nonperforming loans to core capital combined with 3.9 percent from a year earlier contributes to the Good asset quality (6.4).
Asset Mix:
Securities (17%), comm re (16%), comm loans (11%), home mtgs (3%), cash (3%), consumer loans (1%), other (49%)
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 York Ban Corp.
Investment Rating
--
Address
529 North Lincoln Avenue
York, NE 68467
York, NE 68467
Phone Number
(402) 363-7411
Year Founded
1882
FDIC Number
Largest Affiliates
No affiliate information available.