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). Operating profits as a percentage of assets at 1.5%, coupled with a return on assets of 1.5 has resulted in Good (5.3) profitability.
Other Rating Factors:
Excellent current capitalization (7.9 on a scale of 0 to 10) and a capital leverage ratio of 9.6. A current level of 7.5 percent of nonperforming loans to core capital combined with 0.1 percent from a year earlier contributes to the Good asset quality (5.5).
Asset Mix:
Comm re (24%), comm loans (16%), home mtgs (12%), securities (5%), cash (3%), home eq lns (1%), consumer loans (1%), other (38%)
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
Full Service Insurance Agency, Inc.
Investment Rating
--
Address
423 Broadway
Buxton, ND 58218
Buxton, ND 58218
Phone Number
(701) 847-2600
Year Founded
1885
FDIC Number
Website
Largest Affiliates
No affiliate information available.