Major Rating Factors:
Excellent current capitalization (9.6 on a scale of 0 to 10) and a capital leverage ratio of 10.8. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.2 on a scale of 0 to 10).
Other Rating Factors:
Operating profits as a percentage of assets at 1.5%, coupled with a return on assets of 1.4 has resulted in Good (6.0) profitability. A current level of 7.8 percent of nonperforming loans to core capital combined with 17.0 percent from a year earlier contributes to the Fair asset quality (4.5).
Asset Mix:
Securities (38%), comm re (8%), home mtgs (7%), comm loans (6%), consumer loans (3%), cash (2%), other (36%)
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.