Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 12.9. A current level of 6.0 percent of nonperforming loans to core capital combined with 1.6 percent from a year earlier contributes to the Excellent asset quality (7.7).
Other Rating Factors:
Operating profits as a percentage of assets at 2.3%, coupled with a return on assets of 2.3 has resulted in Excellent (7.5) profitability. Good liquidity 5.4, driven by a liquidity ratio of 71.7 percent and a “hot money” ratio of 17.7 percent.
Asset Mix:
Cash (40%), securities (14%), comm loans (14%), comm re (4%), consumer loans (3%), home mtgs (1%), other (24%)
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
Investment Rating
--
Address
908 Chief Little Shell Street
Belcourt, ND 58316
Belcourt, ND 58316
Phone Number
(701) 477-5995
Year Founded
2007
FDIC Number
Website
Largest Affiliates
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