Major Rating Factors:
Operating profits as a percentage of assets at 1.0%, coupled with a return on assets of 1.0 has resulted in Fair (4.0) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.2 on a scale of 0 to 10).
Other Rating Factors:
Good current capitalization (6.9 on a scale of 0 to 10) and a capital leverage ratio of 9.0. A current level of 6.3 percent of nonperforming loans to core capital combined with 9.0 percent from a year earlier contributes to the Good asset quality (5.2).
Asset Mix:
Securities (34%), home mtgs (14%), comm re (9%), comm loans (6%), consumer loans (5%), cash (4%), other (27%)
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
Hazen Bancorporation, Inc.
Investment Rating
--
Address
209 Central Avenue, North
Hazen, ND 58545
Hazen, ND 58545
Phone Number
(701) 748-2233
Year Founded
1908
FDIC Number
Website
Largest Affiliates
No affiliate information available.