Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 20.6 and a capital leverage ratio of 11.7. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.8 on a scale of 0 to 10).
Other Rating Factors:
A current level of 4.4 percent of nonperforming loans to core capital combined with 15.0 percent from a year earlier contributes to the Good asset quality (5.7). Fair liquidity 4.2, driven by a liquidity ratio of 51.6 percent and a “hot money” ratio of 23.2 percent.
Asset Mix:
Securities (29%), cash (8%), comm loans (6%), comm re (4%), consumer loans (2%), home mtgs (2%), other (48%)
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.