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 1.3%, coupled with a return on assets of 1.3 has resulted in Good (5.7) profitability.
Other Rating Factors:
Excellent current capitalization (7.1 on a scale of 0 to 10) based on a risk-based capital ratio of 15.1 and a capital leverage ratio of 9.3. A current level of 3.0 percent of nonperforming loans to core capital combined with 1.5 percent from a year earlier contributes to the Good asset quality (6.9).
Asset Mix:
Securities (22%), home mtgs (9%), comm loans (4%), comm re (3%), consumer loans (3%), cash (2%), other (56%)
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
Lakota Bank Holding Company, Inc.
Investment Rating
--
Address
125 Main Street, North
Lakota, ND 58344
Lakota, ND 58344
Phone Number
(701) 247-2413
Year Founded
1900
FDIC Number
Website
Largest Affiliates
No affiliate information available.