Major Rating Factors:
Operating profits as a percentage of assets at 2.3%, coupled with a return on assets of 1.7 has resulted in Excellent (8.0) profitability. Excellent current capitalization (7.7 on a scale of 0 to 10) and a capital leverage ratio of 9.5.
Other Rating Factors:
A current level of 2.3 percent of nonperforming loans to core capital combined with 4.6 percent from a year earlier contributes to the Excellent asset quality (7.1). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.2 on a scale of 0 to 10).
Asset Mix:
Securities (24%), comm re (17%), home mtgs (15%), comm loans (12%), home eq lns (8%), consumer loans (4%), cash (1%), other (19%)
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
Valley Bancshares, Inc.
Investment Rating
--
Address
41 Third Street, West
Kalispell, MT 59901
Kalispell, MT 59901
Phone Number
(406) 752-7123
Year Founded
1911
FDIC Number
Website
Largest Affiliates
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