Major Rating Factors:
Excellent current capitalization (8.7 on a scale of 0 to 10) and a capital leverage ratio of 10.1. A current level of 1.8 percent of nonperforming loans to core capital contributes to the Excellent asset quality (8.4).
Other Rating Factors:
Operating profits as a percentage of assets at 1.8%, coupled with a return on assets of 1.8 has resulted in Excellent (7.5) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.3 on a scale of 0 to 10).
Asset Mix:
Securities (26%), cash (25%), comm loans (2%), home mtgs (2%), consumer loans (1%), comm re (0%), other (44%)
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
Investment Rating
--
Address
363 Main Street
Hazelton, ND 58544
Hazelton, ND 58544
Phone Number
(701) 782-6295
Year Founded
1903
FDIC Number
Website
Largest Affiliates
No affiliate information available.