Major Rating Factors:
A current level of 11.0 percent of nonperforming loans to core capital combined with 6.0 percent from a year earlier contributes to the Fair asset quality (4.2). 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).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 18.2 and a capital leverage ratio of 12.6. Operating profits as a percentage of assets at 2.2%, coupled with a return on assets of 1.7 has resulted in Excellent (9.4) profitability.
Asset Mix:
Securities (22%), comm loans (21%), comm re (21%), consumer loans (10%), home mtgs (5%), cash (4%), home eq lns (3%), other (14%)
States with Branches:
AK
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
Denali Bancorporation, Inc.
Investment Rating
Address
119 North Cushman Street
Fairbanks, AK 99701
Fairbanks, AK 99701
Phone Number
(907) 456-1400
Year Founded
1986
FDIC Number
Website
Largest Affiliates
No affiliate information available.