Major Rating Factors:
A current level of 0.0 percent of nonperforming loans to core capital combined with 2.1 percent from a year earlier contributes to the Excellent asset quality (8.8). Excellent current capitalization (7.2 on a scale of 0 to 10) based on a risk-based capital ratio of 14.8 and a capital leverage ratio of 9.2.
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.1 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.6%, coupled with a return on assets of 1.6 has resulted in Good (5.6) profitability.
Asset Mix:
Home mtgs (29%), comm re (19%), securities (18%), comm loans (6%), cash (5%), consumer loans (2%), home eq lns (2%), other (18%)
States with Branches:
MN, WI
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
Universal Financial Services, Inc.
Investment Rating
--
Address
950 North Highway 95
Bayport, MN 55003
Bayport, MN 55003
Phone Number
(651) 439-5195
Year Founded
1914
FDIC Number
Website
Largest Affiliates
No affiliate information available.