Major Rating Factors:
A current level of 19.0 percent of nonperforming loans to core capital combined with 12.9 percent from a year earlier contributes to the Weak asset quality (2.7). Operating profits as a percentage of assets at 0.1%, coupled with a return on assets of 0.2 has resulted in Weak (2.0) profitability.
Other Rating Factors:
Excellent current capitalization (9.3 on a scale of 0 to 10) based on a risk-based capital ratio of 14.5 and a capital leverage ratio of 10.6. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.3 on a scale of 0 to 10).
Asset Mix:
Home mtgs (29%), comm re (21%), comm loans (14%), securities (11%), cash (4%), home eq lns (2%), consumer loans (1%), other (19%)
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.