Major Rating Factors:
Operating profits as a percentage of assets at 1.0%, coupled with a return on assets of 0.8 has resulted in Weak (2.5) profitability. A current level of 5.6 percent of nonperforming loans to core capital combined with 4.5 percent from a year earlier contributes to the Good asset quality (5.0).
Other Rating Factors:
Good current capitalization (6.9 on a scale of 0 to 10) based on a risk-based capital ratio of 12.6 and a capital leverage ratio of 8.9. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.5 on a scale of 0 to 10).
Asset Mix:
Securities (21%), comm re (21%), home mtgs (17%), consumer loans (8%), comm loans (4%), cash (2%), other (28%)
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.