Major Rating Factors:
Excellent current capitalization (7.7 on a scale of 0 to 10) based on a risk-based capital ratio of 14.3 and a capital leverage ratio of 9.9. A current level of 4.5 percent of nonperforming loans to core capital combined with 3.9 percent from a year earlier contributes to the Good asset quality (6.1).
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). Weak liquidity 2.9, driven by a liquidity ratio of 17.5 percent and a “hot money” ratio of 15.0 percent.
Asset Mix:
Securities (26%), comm re (24%), comm loans (11%), home mtgs (9%), home eq lns (4%), consumer loans (2%), cash (1%), other (23%)
States with Branches:
MN, 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
Hopkins Financial Corporation
Investment Rating
--
Address
100 East Havens Avenue
Mitchell, SD 57301
Mitchell, SD 57301
Phone Number
(605) 996-7775
Year Founded
1930
FDIC Number
Website
Largest Affiliates
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