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 (4.3 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 1.3 has resulted in Good (5.7) profitability.
Other Rating Factors:
A current level of 0.7 percent of nonperforming loans to core capital combined with 2.7 percent from a year earlier contributes to the Excellent asset quality (8.0). Good current capitalization (6.3 on a scale of 0 to 10) based on a risk-based capital ratio of 17.0 and a capital leverage ratio of 8.4.
Asset Mix:
Cash (21%), securities (15%), consumer loans (9%), comm loans (9%), comm re (7%), home mtgs (5%), other (34%)
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
Investment Rating
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Address
411 Elm Street
Kindred, ND 58051
Kindred, ND 58051
Phone Number
(701) 428-3121
Year Founded
1898
FDIC Number
Website
Largest Affiliates
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