Major Rating Factors:
Operating profits as a percentage of assets at 0.5%, coupled with a return on assets of 0.5 has resulted in Very Weak (0.8) profitability. Fair current capitalization (3.9 on a scale of 0 to 10) based on a risk-based capital ratio of 14.9 and a capital leverage ratio of 8.9.
Other Rating Factors:
Weak liquidity 2.3, driven by a liquidity ratio of 47.8 percent and a “hot money” ratio of 19.3 percent. A current level of 6.9 percent of nonperforming loans to core capital combined with 4.0 percent from a year earlier contributes to the Fair asset quality (4.8).
Asset Mix:
Securities (42%), comm re (17%), home mtgs (13%), home eq lns (6%), cash (4%), comm loans (3%), consumer loans (1%), other (13%)
States with Branches:
MT
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
Jackass Creek Land & Livestock Company
Investment Rating
--
Address
213 East Main Street
Ennis, MT 59729
Ennis, MT 59729
Phone Number
(406) 682-4215
Year Founded
1965
FDIC Number
Website
Largest Affiliates
No affiliate information available.