Major Rating Factors:
Excellent current capitalization (7.6 on a scale of 0 to 10) based on a risk-based capital ratio of 13.4 and a capital leverage ratio of 9.4. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.7 on a scale of 0 to 10).
Other Rating Factors:
A current level of 2.6 percent of nonperforming loans to core capital combined with 7.0 percent from a year earlier contributes to the Good asset quality (5.4). Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 1.0 has resulted in Good (5.2) profitability.
Asset Mix:
Comm re (19%), securities (17%), home mtgs (15%), cash (8%), consumer loans (8%), comm loans (3%), other (29%)
States with Branches:
AZ, 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
North Star Holding Company, Inc.
Investment Rating
--
Address
401 First Avenue, South
Jamestown, ND 58401
Jamestown, ND 58401
Phone Number
(701) 253-5600
Year Founded
1965
FDIC Number
Website
Largest Affiliates
No affiliate information available.