First National Bank
Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (5.0 on a scale of 0 to 10). A current level of 3.2 percent of nonperforming loans to core capital combined with 3.8 percent from a year earlier contributes to the Good asset quality (5.9).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 26.5 and a capital leverage ratio of 20.1. Operating profits as a percentage of assets at 2.9%, coupled with a return on assets of 2.2 has resulted in Excellent (10.0) profitability.
Asset Mix:
Comm re (27%), securities (11%), cash (10%), consumer loans (10%), comm loans (9%), home mtgs (7%), other (26%)
States with Branches:
CO, 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
Capitol Bancorporation, Inc.
Investment Rating
--
Address
307 East Hustan Avenue
Fort Pierre, SD 57532
Fort Pierre, SD 57532
Phone Number
(605) 223-2521
Year Founded
FDIC Number
Largest Affiliates
No affiliate information available.