Major Rating Factors:
Operating profits as a percentage of assets at 2.5%, coupled with a return on assets of 2.5 has resulted in Excellent (8.8) profitability. Excellent current capitalization (8.2 on a scale of 0 to 10) based on a risk-based capital ratio of 19.8 and a capital leverage ratio of 9.8.
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.0 on a scale of 0 to 10). A current level of 10.9 percent of nonperforming loans to core capital combined with 23.1 percent from a year earlier contributes to the Fair asset quality (4.8).
Asset Mix:
Securities (41%), home mtgs (5%), comm loans (3%), consumer loans (3%), cash (2%), comm re (2%), other (43%)
States with Branches:
ND
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
Investment Rating
--
Address
410 Terrell Avenue
Golva, ND 58632
Golva, ND 58632
Phone Number
(701) 872-3656
Year Founded
1914
FDIC Number
Website
Largest Affiliates
No affiliate information available.