Major Rating Factors:
Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 1.1 has resulted in Fair (3.6) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.5 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (9.3 on a scale of 0 to 10) and a capital leverage ratio of 10.5. A current level of 0.9 percent of nonperforming loans to core capital combined with 2.2 percent from a year earlier contributes to the Excellent asset quality (7.7).
Asset Mix:
Comm re (17%), securities (15%), comm loans (9%), home mtgs (8%), cash (6%), consumer loans (1%), other (43%)
States with Branches:
MN, 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
First Holding Company of Cavalier, Inc.
Investment Rating
--
Address
211 Division Avenue, South
Cavalier, ND 58220
Cavalier, ND 58220
Phone Number
(701) 265-8331
Year Founded
1905
FDIC Number
Website
Largest Affiliates
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