Major Rating Factors:
Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 1.1 has resulted in Fair (4.4) profitability. A current level of 6.0 percent of nonperforming loans to core capital combined with 7.5 percent from a year earlier contributes to the Good asset quality (5.1).
Other Rating Factors:
Good current capitalization (6.0 on a scale of 0 to 10) based on a risk-based capital ratio of 15.8 and a capital leverage ratio of 9.2. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.1 on a scale of 0 to 10).
Asset Mix:
Securities (43%), 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
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