1st Financial Bank USA
Major Rating Factors:
A current level of 8.4 percent of nonperforming loans to core capital combined with 7.5 percent from a year earlier contributes to the Fair asset quality (3.9). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.7 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 22.4 and a capital leverage ratio of 17.1. Operating profits as a percentage of assets at 1.9%, coupled with a return on assets of 1.4 has resulted in Good (6.4) profitability.
Asset Mix:
Consumer loans (28%), securities (8%), home mtgs (8%), cash (6%), comm loans (2%), comm re (0%), other (47%)
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.