First International Bank and Trust
Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (8.8 on a scale of 0 to 10). Excellent current capitalization (8.0 on a scale of 0 to 10) based on a risk-based capital ratio of 12.8 and a capital leverage ratio of 9.6.
Other Rating Factors:
Operating profits as a percentage of assets at 1.6%, coupled with a return on assets of 1.6 has resulted in Good (6.3) profitability. A current level of 11.7 percent of nonperforming loans to core capital combined with 8.7 percent from a year earlier contributes to the Fair asset quality (4.9).
Asset Mix:
Comm re (23%), comm loans (17%), home mtgs (13%), securities (11%), cash (6%), consumer loans (1%), home eq lns (1%), other (28%)
States with Branches:
AZ, MN, ND, SD
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
100 North Main Street
Watford City, ND 58854
Watford City, ND 58854
Phone Number
(701) 842-2381
Year Founded
1910
FDIC Number
Website
Largest Affiliates
No affiliate information available.