Major Rating Factors:
Operating profits as a percentage of assets at 0.6%, coupled with a return on assets of 0.4 has resulted in Weak (1.8) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.4 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (9.4 on a scale of 0 to 10) based on a risk-based capital ratio of 12.6 and a capital leverage ratio of 10.6. A current level of 3.9 percent of nonperforming loans to core capital combined with 2.0 percent from a year earlier contributes to the Excellent asset quality (7.1).
Asset Mix:
Comm re (24%), home mtgs (15%), comm loans (8%), cash (2%), home eq lns (2%), consumer loans (1%), other (48%)
States with Branches:
MT
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
Bitterroot Holding Company
Investment Rating
--
Address
835 North Center Avenue
Hardin, MT 59034
Hardin, MT 59034
Phone Number
(406) 665-2332
Year Founded
1919
FDIC Number
Largest Affiliates
No affiliate information available.