Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 11.9. A current level of 0.2 percent of nonperforming loans to core capital combined with 0.1 percent from a year earlier contributes to the Excellent asset quality (7.3).
Other Rating Factors:
Operating profits as a percentage of assets at 1.7%, coupled with a return on assets of 1.7 has resulted in Excellent (7.1) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.3 on a scale of 0 to 10).
Asset Mix:
Securities (32%), comm re (5%), comm loans (4%), cash (4%), consumer loans (2%), other (53%)
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
McIntosh County Bank Holding Company, Inc.
Investment Rating
--
Address
204 West Main Street
Ashley, ND 58413
Ashley, ND 58413
Phone Number
(701) 288-3491
Year Founded
1911
FDIC Number
Website
Largest Affiliates
No affiliate information available.