Western Dakota Bank
Major Rating Factors:
A current level of 2.1 percent of nonperforming loans to core capital contributes to the Excellent asset quality (8.6). Excellent current capitalization (7.3 on a scale of 0 to 10) and a capital leverage ratio of 9.2.
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.0 on a scale of 0 to 10). Good liquidity 5.3, driven by a liquidity ratio of 65.2 percent and a “hot money” ratio of 21.1 percent.
Asset Mix:
Cash (59%), securities (5%), comm re (3%), comm loans (3%), consumer loans (1%), other (30%)
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
Western Dakota Holding Company
Investment Rating
--
Address
803 Main Street
Timber Lake, SD 57656
Timber Lake, SD 57656
Phone Number
(605) 865-3516
Year Founded
1919
FDIC Number
Website
Largest Affiliates
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