Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 19.8 and a capital leverage ratio of 11.7. A current level of 1.9 percent of nonperforming loans to core capital combined with 14.3 percent from a year earlier contributes to the Good asset quality (6.5).
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 (5.9 on a scale of 0 to 10). Fair liquidity 3.9, driven by a liquidity ratio of 46.6 percent and a “hot money” ratio of 24.3 percent.
Asset Mix:
Securities (30%), comm loans (9%), cash (7%), comm re (4%), consumer loans (3%), home mtgs (2%), other (46%)
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
Tolna Bancorp, Inc.
Investment Rating
--
Address
101 North Main Street
Tolna, ND 58380
Tolna, ND 58380
Phone Number
(701) 262-4211
Year Founded
1917
FDIC Number
Website
Largest Affiliates
No affiliate information available.