Pine River State Bank
Major Rating Factors:
A current level of 1.6 percent of nonperforming loans to core capital combined with 1.9 percent from a year earlier contributes to the Excellent asset quality (8.7). Good current capitalization (6.2 on a scale of 0 to 10) based on a risk-based capital ratio of 18.2 and a capital leverage ratio of 8.2.
Other Rating Factors:
Operating profits as a percentage of assets at 0.9%, coupled with a return on assets of 0.9 has resulted in Fair (4.1) profitability. Fair liquidity 3.9, driven by a liquidity ratio of 35.8 percent and a “hot money” ratio of 12.3 percent.
Asset Mix:
Securities (31%), home mtgs (23%), comm re (13%), cash (12%), home eq lns (3%), comm loans (3%), consumer loans (1%), other (14%)
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
Norbanc Group Inc.
Investment Rating
--
Address
103 Mill Street
Pine River, MN 56474
Pine River, MN 56474
Phone Number
(218) 587-4463
Year Founded
1918
FDIC Number
Largest Affiliates
No affiliate information available.