Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 39.7 and a capital leverage ratio of 18.3. Operating profits as a percentage of assets at 3.0%, coupled with a return on assets of 2.3 has resulted in Excellent (10.0) profitability.
Other Rating Factors:
A current level of 0.0 percent of nonperforming loans to core capital combined with 0.0 percent from a year earlier contributes to the Excellent asset quality (9.1). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (8.0 on a scale of 0 to 10).
Asset Mix:
Cash (44%), securities (19%), comm loans (6%), consumer loans (3%), comm re (0%), other (28%)
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
Emery Security Bancorporation, Inc.
Investment Rating
--
Address
117 North Third Street
Emery, SD 57332
Emery, SD 57332
Phone Number
(605) 449-4261
Year Founded
1920
FDIC Number
Largest Affiliates
No affiliate information available.