Major Rating Factors:
Excellent current capitalization (9.9 on a scale of 0 to 10) based on a risk-based capital ratio of 18.3 and a capital leverage ratio of 10.9. A current level of 0.0 percent of nonperforming loans to core capital combined with 0.1 percent from a year earlier contributes to the Excellent asset quality (8.8).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.8 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.5%, coupled with a return on assets of 1.2 has resulted in Fair (4.9) profitability.
Asset Mix:
Securities (37%), comm re (17%), comm loans (11%), home mtgs (6%), cash (3%), home eq lns (2%), consumer loans (1%), other (23%)
States with Branches:
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
Belle Fourche Bancshares, Inc.
Investment Rating
--
Address
125 East Colorado Boulevard
Spearfish, SD 57783
Spearfish, SD 57783
Phone Number
(605) 717-2265
Year Founded
1937
FDIC Number
Largest Affiliates
No affiliate information available.