Major Rating Factors:
Excellent current capitalization (8.8 on a scale of 0 to 10) and a capital leverage ratio of 10.2. A current level of 2.5 percent of nonperforming loans to core capital combined with 0.7 percent from a year earlier contributes to the Excellent asset quality (8.0).
Other Rating Factors:
Fair liquidity 4.7, driven by a liquidity ratio of 55.6 percent and a “hot money” ratio of 16.7 percent. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.4 on a scale of 0 to 10).
Asset Mix:
Securities (53%), home mtgs (7%), comm re (7%), consumer loans (4%), comm loans (3%), cash (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
First Harvey Bancorporation, Inc.
Investment Rating
--
Address
700 Lincoln Avenue
Harvey, ND 58341
Harvey, ND 58341
Phone Number
(701) 324-2285
Year Founded
1913
FDIC Number
Website
Largest Affiliates
No affiliate information available.