Major Rating Factors:
A current level of 5.9 percent of nonperforming loans to core capital combined with 4.6 percent from a year earlier contributes to the Fair asset quality (4.9). Fair current capitalization (4.8 on a scale of 0 to 10) based on a risk-based capital ratio of 15.1 and a capital leverage ratio of 9.1.
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.2 on a scale of 0 to 10). Weak liquidity 2.4, driven by a liquidity ratio of 49.1 percent and a “hot money” ratio of 19.4 percent.
Asset Mix:
Securities (42%), comm re (18%), home mtgs (14%), cash (5%), home eq lns (5%), comm loans (3%), consumer loans (1%), other (12%)
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.