Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.8 on a scale of 0 to 10). Excellent current capitalization (7.4 on a scale of 0 to 10) based on a risk-based capital ratio of 12.4 and a capital leverage ratio of 9.2.
Other Rating Factors:
A current level of 7.0 percent of nonperforming loans to core capital combined with 3.3 percent from a year earlier contributes to the Good asset quality (5.6). Operating profits as a percentage of assets at 1.4%, coupled with a return on assets of 1.1 has resulted in Good (5.2) profitability.
Asset Mix:
Securities (22%), comm re (15%), consumer loans (12%), comm loans (8%), home mtgs (5%), cash (1%), home eq lns (1%), other (36%)
States with Branches:
MN, MT, 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
Bravera Holdings Corp.
Investment Rating
--
Address
220 First Avenue, West
Dickinson, ND 58601
Dickinson, ND 58601
Phone Number
(701) 483-9104
Year Founded
1977
FDIC Number
Website
Largest Affiliates
No affiliate information available.