Major Rating Factors:
A current level of 0.0 percent of nonperforming loans to core capital combined with 0.2 percent from a year earlier contributes to the Excellent asset quality (8.7). Excellent current capitalization (7.2 on a scale of 0 to 10) and a capital leverage ratio of 9.1.
Other Rating Factors:
Operating profits as a percentage of assets at 1.5%, coupled with a return on assets of 1.5 has resulted in Good (6.1) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.6 on a scale of 0 to 10).
Asset Mix:
Securities (20%), cash (18%), comm re (17%), comm loans (12%), home mtgs (10%), consumer loans (3%), home eq lns (2%), other (18%)
States with Branches:
ND
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
Kirkwood Bancorporation Co.
Investment Rating
--
Address
2911 North 14th Street
Bismarck, ND 58503
Bismarck, ND 58503
Phone Number
(701) 258-6550
Year Founded
1975
FDIC Number
Website
Largest Affiliates
No affiliate information available.