Major Rating Factors:
Excellent current capitalization (9.1 on a scale of 0 to 10) and a capital leverage ratio of 10.4. Operating profits as a percentage of assets at 2.2%, coupled with a return on assets of 1.7 has resulted in Excellent (7.8) profitability.
Other Rating Factors:
A current level of 2.3 percent of nonperforming loans to core capital combined with 3.2 percent from a year earlier contributes to the Excellent asset quality (7.7). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.7 on a scale of 0 to 10).
Asset Mix:
Comm re (32%), comm loans (11%), home mtgs (10%), securities (9%), home eq lns (2%), cash (1%), consumer loans (1%), other (35%)
States with Branches:
NE, 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
First Dakota Financial Corporation
Investment Rating
--
Address
225 Cedar Street
Yankton, SD 57078
Yankton, SD 57078
Phone Number
(605) 665-7432
Year Founded
1872
FDIC Number
Website
Largest Affiliates
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