Major Rating Factors:
Excellent current capitalization (8.7 on a scale of 0 to 10) based on a risk-based capital ratio of 14.8 and a capital leverage ratio of 10.1. A current level of 3.8 percent of nonperforming loans to core capital combined with 5.2 percent from a year earlier contributes to the Good asset quality (6.4).
Other Rating Factors:
Operating profits as a percentage of assets at 0.9%, coupled with a return on assets of 0.9 has resulted in Fair (3.9) profitability. Fair liquidity 3.0, driven by a liquidity ratio of 6.1 percent and a “hot money” ratio of 18.1 percent.
Asset Mix:
Securities (31%), comm re (18%), comm loans (13%), home mtgs (9%), home eq lns (2%), cash (1%), consumer loans (1%), other (25%)
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
Big Sioux Financial, Inc.
Investment Rating
--
Address
211 North Main Street
Estelline, SD 57234
Estelline, SD 57234
Phone Number
(605) 873-2261
Year Founded
1920
FDIC Number
Website
Largest Affiliates
No affiliate information available.