Major Rating Factors:
Operating profits as a percentage of assets at 0.9%, coupled with a return on assets of 0.9 has resulted in Weak (2.6) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.5 on a scale of 0 to 10).
Other Rating Factors:
Fair liquidity 3.7, driven by a liquidity ratio of 35.3 percent and a “hot money” ratio of 7.1 percent. Good current capitalization (6.0 on a scale of 0 to 10) based on a risk-based capital ratio of 16.8 and a capital leverage ratio of 8.0.
Asset Mix:
Cash (19%), securities (17%), consumer loans (10%), comm loans (9%), comm re (9%), home mtgs (5%), other (32%)
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
--
Address
411 Elm Street
Kindred, ND 58051
Kindred, ND 58051
Phone Number
(701) 428-3121
Year Founded
1898
FDIC Number
Website
Largest Affiliates
No affiliate information available.