Major Rating Factors:
A current level of 11.1 percent of nonperforming loans to core capital combined with 6.4 percent from a year earlier contributes to the Fair asset quality (5.0). Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 1.2 has resulted in Fair (4.7) profitability.
Other Rating Factors:
Excellent current capitalization (8.3 on a scale of 0 to 10) and a capital leverage ratio of 9.9. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (8.2 on a scale of 0 to 10).
Asset Mix:
Securities (17%), comm re (14%), comm loans (11%), home mtgs (3%), cash (3%), consumer loans (1%), other (50%)
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
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