Major Rating Factors:
Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 1.2 has resulted in Fair (4.6) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.1 on a scale of 0 to 10).
Other Rating Factors:
A current level of 1.8 percent of nonperforming loans to core capital combined with 2.8 percent from a year earlier contributes to the Excellent asset quality (7.8). Good current capitalization (6.3 on a scale of 0 to 10) based on a risk-based capital ratio of 13.4 and a capital leverage ratio of 8.3.
Asset Mix:
Securities (31%), comm re (18%), home mtgs (11%), comm loans (7%), consumer loans (3%), cash (2%), home eq lns (1%), other (26%)
States with Branches:
WY
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
First National Buffalo Bankshares, Inc.
Investment Rating
--
Address
141 South Main Street
Buffalo, WY 82834
Buffalo, WY 82834
Phone Number
(307) 684-2211
Year Founded
1885
FDIC Number
Website
Largest Affiliates
No affiliate information available.