The First National Bank in Sioux Falls
Major Rating Factors:
Excellent current capitalization (9.7 on a scale of 0 to 10) based on a risk-based capital ratio of 15.4 and a capital leverage ratio of 10.8. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (8.0 on a scale of 0 to 10).
Other Rating Factors:
A current level of 4.4 percent of nonperforming loans to core capital combined with 0.7 percent from a year earlier contributes to the Excellent asset quality (7.6). Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 0.9 has resulted in Fair (4.4) profitability.
Asset Mix:
Securities (19%), home mtgs (17%), comm re (12%), comm loans (11%), cash (2%), consumer loans (2%), home eq lns (1%), other (36%)
States with Branches:
SD
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
Minnehaha Banshares, Inc.
Investment Rating
--
Address
100 South Phillips Avenue
Sioux Falls, SD 57104
Sioux Falls, SD 57104
Phone Number
(605) 335-5200
Year Founded
1885
FDIC Number
Website
Largest Affiliates
No affiliate information available.