Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 16.9. Operating profits as a percentage of assets at 2.0%, coupled with a return on assets of 1.9 has resulted in Excellent (7.8) profitability.
Other Rating Factors:
A current level of 1.3 percent of nonperforming loans to core capital combined with 1.0 percent from a year earlier contributes to the Excellent asset quality (7.4). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.3 on a scale of 0 to 10).
Asset Mix:
Securities (25%), comm re (10%), comm loans (7%), cash (3%), consumer loans (1%), home mtgs (1%), other (53%)
States with Branches:
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
H & W Holding Company
Investment Rating
--
Address
305 South Main Street
Freeman, SD 57029
Freeman, SD 57029
Phone Number
(605) 925-4222
Year Founded
1899
FDIC Number
Website
Largest Affiliates
No affiliate information available.