Major Rating Factors:
Weak current capitalization (2.5 on a scale of 0 to 10) based on a risk-based capital ratio of 16.9 and a capital leverage ratio of 10.2. Operating profits as a percentage of assets at 1.4%, coupled with a return on assets of 1.1 has resulted in Good (5.3) profitability.
Other Rating Factors:
A current level of 0.7 percent of nonperforming loans to core capital combined with 2.1 percent from a year earlier contributes to the Excellent asset quality (7.2). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.1 on a scale of 0 to 10).
Asset Mix:
Securities (25%), comm re (24%), home mtgs (13%), comm loans (8%), cash (4%), home eq lns (4%), consumer loans (2%), other (20%)
States with Branches:
MT
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
First National Bancorp, Inc.
Investment Rating
--
Address
211 North Higgins Avenue
Missoula, MT 59802
Missoula, MT 59802
Phone Number
(406) 829-2668
Year Founded
1913
FDIC Number
Website
Largest Affiliates
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