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 (3.7 on a scale of 0 to 10). Operating profits as a percentage of assets at 3.6%, coupled with a return on assets of 2.7 has resulted in Good (6.3) profitability.
Other Rating Factors:
A current level of 4.1 percent of nonperforming loans to core capital combined with 3.9 percent from a year earlier contributes to the Excellent asset quality (8.7). Excellent current capitalization (7.5 on a scale of 0 to 10) based on a risk-based capital ratio of 16.2 and a capital leverage ratio of 9.3.
Asset Mix:
Securities (60%), comm re (6%), comm loans (6%), home mtgs (5%), cash (2%), consumer loans (1%), other (21%)
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