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 (8.4 on a scale of 0 to 10). Excellent current capitalization (8.1 on a scale of 0 to 10) based on a risk-based capital ratio of 12.7 and a capital leverage ratio of 9.8.
Other Rating Factors:
Operating profits as a percentage of assets at 1.5%, coupled with a return on assets of 1.2 has resulted in Good (5.7) profitability. A current level of 6.1 percent of nonperforming loans to core capital combined with 7.2 percent from a year earlier contributes to the Fair asset quality (4.9).
Asset Mix:
Securities (21%), comm re (16%), consumer loans (11%), comm loans (9%), home mtgs (6%), cash (1%), home eq lns (1%), other (35%)
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.