Major Rating Factors:
Excellent current capitalization (8.0 on a scale of 0 to 10) based on a risk-based capital ratio of 17.5 and a capital leverage ratio of 9.7. A current level of 3.6 percent of nonperforming loans to core capital combined with 4.4 percent from a year earlier contributes to the Good asset quality (6.9).
Other Rating Factors:
Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 1.1 has resulted in Fair (4.4) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.3 on a scale of 0 to 10).
Asset Mix:
Securities (34%), home mtgs (11%), comm re (11%), comm loans (4%), cash (2%), home eq lns (2%), consumer loans (2%), other (34%)
States with Branches:
MN, SD
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
First Rushmore Bancorporation, Inc.
Investment Rating
--
Address
202 Eighth Avenue SE
Pipestone, MN 56164
Pipestone, MN 56164
Phone Number
(507) 376-9747
Year Founded
1903
FDIC Number
Website
Largest Affiliates
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