Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (5.0 on a scale of 0 to 10). Good current capitalization (6.1 on a scale of 0 to 10) based on a risk-based capital ratio of 17.6 and a capital leverage ratio of 8.1.
Other Rating Factors:
A current level of 0.2 percent of nonperforming loans to core capital contributes to the Excellent asset quality (8.8). Operating profits as a percentage of assets at 1.7%, coupled with a return on assets of 1.7 has resulted in Good (7.0) profitability.
Asset Mix:
Securities (39%), home mtgs (20%), comm re (17%), cash (6%), comm loans (4%), home eq lns (1%), consumer loans (1%), other (12%)
States with Branches:
WY
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
Central Trust Company
Investment Rating
--
Address
285 Main Street
Lander, WY 82520
Lander, WY 82520
Phone Number
(307) 332-4730
Year Founded
1890
FDIC Number
Website
Largest Affiliates
Grand Marais, MN
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Bank
Buffalo Lake, MN
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Bank