Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.3 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 1.0 has resulted in Good (5.5) profitability.
Other Rating Factors:
Excellent current capitalization (9.9 on a scale of 0 to 10) and a capital leverage ratio of 10.9. A current level of 4.5 percent of nonperforming loans to core capital combined with 5.1 percent from a year earlier contributes to the Good asset quality (5.7).
Asset Mix:
Home mtgs (25%), comm re (24%), comm loans (9%), securities (6%), cash (5%), home eq lns (5%), consumer loans (2%), other (24%)
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
King Kalispell, LLC
Investment Rating
--
Address
233 East Idaho Street
Kalispell, MT 59901
Kalispell, MT 59901
Phone Number
(406) 755-4271
Year Founded
1974
FDIC Number
Largest Affiliates
No affiliate information available.