Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 22.6 and a capital leverage ratio of 15.7. A current level of 3.5 percent of nonperforming loans to core capital combined with 11.8 percent from a year earlier contributes to the Excellent asset quality (7.9).
Other Rating Factors:
Operating profits as a percentage of assets at 1.9%, coupled with a return on assets of 1.5 has resulted in Good (6.7) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.7 on a scale of 0 to 10).
Asset Mix:
Securities (30%), comm loans (14%), comm re (9%), home mtgs (7%), cash (3%), home eq lns (2%), consumer loans (2%), other (33%)
States with Branches:
ID
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
Farmers Bancorporation, Inc.
Investment Rating
--
Address
914 Main Street
Buhl, ID 83316
Buhl, ID 83316
Phone Number
(208) 543-4351
Year Founded
1917
FDIC Number
Website
Largest Affiliates
No affiliate information available.