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 (3.7 on a scale of 0 to 10). A current level of 4.1 percent of nonperforming loans to core capital combined with 2.0 percent from a year earlier contributes to the Good asset quality (5.6).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 30.0 and a capital leverage ratio of 24.2. Operating profits as a percentage of assets at 3.0%, coupled with a return on assets of 2.3 has resulted in Excellent (10.0) profitability.
Asset Mix:
Comm re (29%), consumer loans (12%), securities (11%), comm loans (8%), home mtgs (7%), cash (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
1934
FDIC Number
Largest Affiliates
No affiliate information available.