Major Rating Factors:
A current level of 3.0 percent of nonperforming loans to core capital combined with 14.3 percent from a year earlier contributes to the Fair asset quality (4.6). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.3 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (9.9 on a scale of 0 to 10) and a capital leverage ratio of 11.0. Operating profits as a percentage of assets at 1.8%, coupled with a return on assets of 1.6 has resulted in Excellent (7.0) profitability.
Asset Mix:
Securities (9%), home mtgs (8%), cash (7%), comm loans (5%), comm re (3%), consumer loans (2%), other (67%)
States with Branches:
MN
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
First LeRoy Bancorporation, Inc.
Investment Rating
--
Address
102 West Main Street
Le Roy, MN 55951
Le Roy, MN 55951
Phone Number
(507) 324-5260
Year Founded
1893
FDIC Number
Largest Affiliates
No affiliate information available.