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 (4.9 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.8%, coupled with a return on assets of 0.8 has resulted in Fair (3.2) profitability.
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 25.3 and a capital leverage ratio of 11.0. A current level of 10.9 percent of nonperforming loans to core capital contributes to the Good asset quality (6.2).
Asset Mix:
Securities (33%), cash (16%), comm loans (6%), consumer loans (1%), other (44%)
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
No affiliate information available.