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Affiliated Institutions

    Subsidiary DACOTAH BANK

    IDC Rank of Financial Ratios 2024-Q1:

    CAMEL Analysis

    Capital Ratios - A Foundation for Safety and Soundness

    Tier 1 Capital % Tier 1 Assets

    Risk Based Capital % Risk Based Assets

    Tier I Capital % Risk Based Assets

    Adequacy of Capital and Loan Loss Reserve to Cover Loan Delinquency

    Loan Loss Reserve % Tier I Capital

    Loans 90 Days Delinquent % Tier I Capital

    Loans Nonaccrual + REO % Tier I Capital

    Margins Measure Management

    Common Shareholder’s Net Operating Profit After Tax % Tangible Equity Capital, NOPAT ROE (1yr)

    Cost of Equity COE (1yr)

    Net Interest % Earning Assets (1yr)

    Noninterest Income % Earning Assets (1yr)

    Noninterest Expense % Earning Assets (1yr)

    Operating Profit Margin OPM (1yr)

    OPM Risk Standard Deviation

    Earnings Return on Equity Equals the Operating Return Plus the Financial Return

    Return of Net Operating Profit From Operations After Tax % Earning Assets (ROEA)

    Return on Financial Leverage (ROFL) = Spread X Leverage

    ROEA less COF AT = Leverage Spread

    Leverage Multiplier

    Liquidity Determines the Ability to Grow

    Balance Sheet Cash Flow % Tier I Equity

    Percent Annual Growth in Equity Capital

    Nonperforming Assets % Total Loans

    Illiquid Loans % Stable Deposits and Borrowings Plus Excess Liquidity

    Interest-Bearing Liabilities % Earning Assets




    TOTAL ASSETS: $4,176MM

    Affiliated Institutions

      Subsidiary DACOTAH BANK

      Supplemental Ratios

      Investment Yield

      Loan Yield

      Cost of Adjusted Debt - After Tax

      Net Income % Avg Assets


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      Limitations to Use of Financial Ratios and Ranks

      Ranks are designed to provide IDC Financial Publishing, Inc.’s opinion as to the relative value of financial ratios, and are subject to limitations in their use. The ranks have no value in forecasting the direction of future trends of financial ratios. While in our opinion the selected ratios provide an ample financial picture for evaluating a financial institution, the quality of individual financial institutions can also be influenced by factors not taken into account in this analysis.

      The quality of a financial institution is not fixed over time, but tends to undergo change. For this reason, changes in ranks occur, reflecting changes in the individual financial ratios.The data utilized for calculations, ranks, and other information was obtained from sources believed to be reliable and accurate; however, neither the publisher nor its employees assume responsibility for the correctness or accuracy of data, calculations, or liability for their use.