Major Rating Factors:
Operating profits as a percentage of assets at 0.6%, coupled with a return on assets of 0.5 has resulted in Weak (1.4) profitability. Weak current capitalization (1.8 on a scale of 0 to 10) based on a risk-based capital ratio of 15.7 and a capital leverage ratio of 7.3.
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (2.6 on a scale of 0 to 10). Fair liquidity 3.4, driven by a liquidity ratio of 42.3 percent and a “hot money” ratio of 12.9 percent.
Asset Mix:
Securities (64%), home mtgs (4%), comm loans (4%), comm re (2%), cash (2%), consumer loans (1%), other (22%)
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
TS Contrarian Bancshares, Inc.
Investment Rating
--
Address
Seven North Main Street
Tioga, ND 58852
Tioga, ND 58852
Phone Number
(701) 664-3388
Year Founded
1952
FDIC Number
Website
Largest Affiliates
Clinton, IL
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Bank