Major Rating Factors:
Excellent current capitalization (7.9 on a scale of 0 to 10) and a capital leverage ratio of 9.6. Operating profits as a percentage of assets at 2.1%, coupled with a return on assets of 1.7 has resulted in Good (6.0) profitability.
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 (5.7 on a scale of 0 to 10). A current level of 8.0 percent of nonperforming loans to core capital combined with 18.8 percent from a year earlier contributes to the Fair asset quality (4.4).
Asset Mix:
Securities (29%), comm re (10%), consumer loans (4%), home mtgs (4%), comm loans (3%), cash (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
Union Holding Company
Investment Rating
--
Address
1700 Highway 49 North
Beulah, ND 58523
Beulah, ND 58523
Phone Number
(701) 873-2900
Year Founded
1924
FDIC Number
Website
Largest Affiliates
No affiliate information available.