Major Rating Factors:
Operating profits as a percentage of assets at 1.0%, coupled with a return on assets of 0.7 has resulted in Fair (4.5) profitability. 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).
Other Rating Factors:
Excellent current capitalization (8.9 on a scale of 0 to 10) and a capital leverage ratio of 10.3. A current level of 4.2 percent of nonperforming loans to core capital combined with 5.0 percent from a year earlier contributes to the Good asset quality (5.7).
Asset Mix:
Comm re (27%), home mtgs (22%), comm loans (10%), securities (8%), home eq lns (4%), cash (2%), consumer loans (2%), other (26%)
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.