Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 22.0 and a capital leverage ratio of 12.3. Operating profits as a percentage of assets at 2.1%, coupled with a return on assets of 2.1 has resulted in Excellent (8.4) profitability.
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (8.2 on a scale of 0 to 10). A current level of 5.8 percent of nonperforming loans to core capital combined with 13.9 percent from a year earlier contributes to the Good asset quality (6.3).
Asset Mix:
Securities (46%), comm re (13%), comm loans (11%), home mtgs (4%), consumer loans (4%), cash (1%), other (21%)
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
American State Bank Holding Company, Inc.
Investment Rating
--
Address
223 Main Street
Williston, ND 58801
Williston, ND 58801
Phone Number
(701) 774-4100
Year Founded
1906
FDIC Number
Website
Largest Affiliates
No affiliate information available.