Major Rating Factors:
Excellent current capitalization (8.1 on a scale of 0 to 10) and a capital leverage ratio of 9.8. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.3 on a scale of 0 to 10).
Other Rating Factors:
Fair liquidity 4.6, driven by a liquidity ratio of 47.8 percent and a “hot money” ratio of 27.1 percent. A current level of 12.2 percent of nonperforming loans to core capital combined with 13.6 percent from a year earlier contributes to the Fair asset quality (4.3).
Asset Mix:
Securities (33%), cash (23%), comm loans (3%), consumer loans (3%), home mtgs (1%), comm re (0%), other (37%)
States with Branches:
ND
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
JBS, Inc.
Investment Rating
--
Address
401 Second Street
Edgeley, ND 58433
Edgeley, ND 58433
Phone Number
(701) 493-2817
Year Founded
1921
FDIC Number
Largest Affiliates
There are no affiliate to display.