Major Rating Factors:
Operating profits as a percentage of assets at 0.5%, coupled with a return on assets of 0.4 has resulted in Weak (2.9) profitability. A current level of 20.9 percent of nonperforming loans to core capital combined with 18.0 percent from a year earlier contributes to the Weak asset quality (2.4).
Other Rating Factors:
Excellent current capitalization (9.9 on a scale of 0 to 10) based on a risk-based capital ratio of 14.6 and a capital leverage ratio of 10.9. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.0 on a scale of 0 to 10).
Asset Mix:
Home mtgs (28%), comm re (23%), comm loans (13%), securities (10%), cash (4%), home eq lns (2%), consumer loans (1%), other (18%)
States with Branches:
MT, 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
Investment Rating
--
Address
671 Illinois Street
Sheridan, WY 82801
Sheridan, WY 82801
Phone Number
(307) 674-0464
Year Founded
1935
FDIC Number
Website
Largest Affiliates
No affiliate information available.