1st Financial Bank USA
Major Rating Factors:
Operating profits as a percentage of assets at 1.4%, coupled with a return on assets of 1.1 has resulted in Fair (4.7) profitability. A current level of 9.9 percent of nonperforming loans to core capital combined with 9.4 percent from a year earlier contributes to the Fair asset quality (3.7).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 22.7 and a capital leverage ratio of 16.7. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (9.3 on a scale of 0 to 10).
Asset Mix:
Consumer loans (28%), cash (10%), securities (8%), home mtgs (7%), comm loans (2%), comm re (0%), other (45%)
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
Investment Rating
--
Address
331 Dakota Dunes Boulevard
Dakota Dunes, SD 57049
Dakota Dunes, SD 57049
Phone Number
(605) 232-9310
Year Founded
1910
FDIC Number
Website
Largest Affiliates
No affiliate information available.