Major Rating Factors:
A current level of 10.3 percent of nonperforming loans to core capital combined with 1.8 percent from a year earlier contributes to the Fair asset quality (3.5). Operating profits as a percentage of assets at 0.3%, coupled with a return on assets of 0.2 has resulted in Weak (2.1) profitability.
Other Rating Factors:
Excellent current capitalization (9.9 on a scale of 0 to 10) based on a risk-based capital ratio of 20.5 and a capital leverage ratio of 10.9. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.6 on a scale of 0 to 10).
Asset Mix:
Securities (26%), cash (17%), comm loans (5%), consumer loans (2%), other (50%)
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
Investment Rating
--
Address
123 East Center Street
Turton, SD 57477
Turton, SD 57477
Phone Number
(605) 897-6532
Year Founded
1915
FDIC Number
Website
Largest Affiliates
There are no affiliate to display.