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 (4.3 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.7%, coupled with a return on assets of 1.7 has resulted in Good (6.2) profitability.
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 11.5. A current level of 1.4 percent of nonperforming loans to core capital contributes to the Good asset quality (7.0).
Asset Mix:
Securities (19%), comm re (14%), comm loans (2%), cash (2%), home mtgs (2%), consumer loans (1%), other (59%)
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
Investment Rating
--
Address
325 Brown Avenue
Mott, ND 58646
Mott, ND 58646
Phone Number
(701) 824-2593
Year Founded
1940
FDIC Number
Website
Largest Affiliates
No affiliate information available.