Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 11.5. Operating profits as a percentage of assets at 1.9%, coupled with a return on assets of 1.8 has resulted in Excellent (7.8) profitability.
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.2 on a scale of 0 to 10). A current level of 13.0 percent of nonperforming loans to core capital combined with 9.5 percent from a year earlier contributes to the Fair asset quality (4.5).
Asset Mix:
Securities (34%), comm re (8%), home mtgs (8%), comm loans (5%), consumer loans (2%), cash (2%), other (41%)
States with Branches:
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
Commercial Holding Company
Investment Rating
--
Address
204 South Main Avenue
Wagner, SD 57380
Wagner, SD 57380
Phone Number
(605) 384-3646
Year Founded
1902
FDIC Number
Website
Largest Affiliates
No affiliate information available.