Major 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 0.2%, coupled with a return on assets of 0.2 has resulted in Weak (1.3) profitability.
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 11.6. A current level of 27.5 percent of nonperforming loans to core capital combined with 17.1 percent from a year earlier contributes to the Very Weak asset quality (0.5).
Asset Mix:
Comm re (34%), securities (9%), comm loans (8%), home mtgs (7%), cash (3%), home eq lns (2%), consumer loans (1%), other (36%)
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
Central Bancshares, Inc.
Investment Rating
--
Address
111 North 181st Street
Elkhorn, NE 68022
Elkhorn, NE 68022
Phone Number
(402) 505-8500
Year Founded
2006
FDIC Number
Website
Largest Affiliates
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