Major Rating Factors:
Operating profits as a percentage of assets at 2.4%, coupled with a return on assets of 1.7 has resulted in Excellent (9.4) profitability. Excellent current capitalization (7.2 on a scale of 0 to 10) based on a risk-based capital ratio of 11.1 and a capital leverage ratio of 9.2.
Other Rating Factors:
A current level of 0.0 percent of nonperforming loans to core capital combined with 13.2 percent from a year earlier contributes to the Excellent asset quality (7.1). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.7 on a scale of 0 to 10).
Asset Mix:
Comm re (36%), comm loans (13%), home mtgs (12%), securities (11%), consumer loans (3%), home eq lns (3%), cash (2%), other (20%)
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
Saint Joseph Bancshares Acquisitions, Inc.
Investment Rating
--
Address
12500 Sherburne Avenue
Becker, MN 55308
Becker, MN 55308
Phone Number
(763) 261-4200
Year Founded
1920
FDIC Number
Largest Affiliates
Saint Joseph, MN
-
Bank