Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 11.0. Operating profits as a percentage of assets at 2.2%, coupled with a return on assets of 2.1 has resulted in Excellent (7.0) profitability.
Other Rating Factors:
A current level of 4.5 percent of nonperforming loans to core capital combined with 13.7 percent from a year earlier contributes to the Good asset quality (6.4). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.3 on a scale of 0 to 10).
Asset Mix:
Securities (37%), home mtgs (8%), comm re (7%), comm loans (6%), cash (5%), consumer loans (3%), other (34%)
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.