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). Operating profits as a percentage of assets at 1.4%, coupled with a return on assets of 1.4 has resulted in Good (5.3) profitability.
Other Rating Factors:
Excellent current capitalization (9.7 on a scale of 0 to 10) and a capital leverage ratio of 10.8. A current level of 1.1 percent of nonperforming loans to core capital combined with 12.1 percent from a year earlier contributes to the Good asset quality (5.9).
Asset Mix:
Comm re (17%), securities (17%), comm loans (8%), home mtgs (8%), cash (7%), 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
No affiliate information available.