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 (8.5 on a scale of 0 to 10). Excellent current capitalization (7.1 on a scale of 0 to 10) based on a risk-based capital ratio of 11.7 and a capital leverage ratio of 9.1.
Other Rating Factors:
A current level of 13.7 percent of nonperforming loans to core capital combined with 18.4 percent from a year earlier contributes to the Fair asset quality (4.2). Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 1.2 has resulted in Fair (3.1) profitability.
Asset Mix:
Comm re (22%), comm loans (19%), home mtgs (12%), securities (10%), cash (5%), home eq lns (2%), consumer loans (1%), other (29%)
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
Watford City Bancshares, Inc.
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
There are no affiliate to display.