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 (3.7 on a scale of 0 to 10). A current level of 2.6 percent of nonperforming loans to core capital combined with 0.1 percent from a year earlier contributes to the Good asset quality (5.5).
Other Rating Factors:
Excellent current capitalization (8.8 on a scale of 0 to 10) based on a risk-based capital ratio of 11.4 and a capital leverage ratio of 10.2. Operating profits as a percentage of assets at 1.6%, coupled with a return on assets of 1.5 has resulted in Good (7.0) profitability.
Asset Mix:
Comm loans (8%), comm re (5%), securities (4%), cash (3%), home mtgs (3%), consumer loans (1%), other (76%)
States with Branches:
ND, 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
First Financial Corporation
Investment Rating
--
Address
340 Main Street
Arthur, ND 58006
Arthur, ND 58006
Phone Number
(701) 212-4744
Year Founded
1905
FDIC Number
Website
Largest Affiliates
No affiliate information available.