Major Rating Factors:
Operating profits as a percentage of assets at 1.0%, coupled with a return on assets of 0.6 has resulted in Fair (4.1) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.3 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 14.2 and a capital leverage ratio of 11.4. A current level of 0.9 percent of nonperforming loans to core capital contributes to the Excellent asset quality (8.2).
Asset Mix:
Securities (21%), comm loans (10%), cash (5%), consumer loans (5%), comm re (2%), home mtgs (1%), other (56%)
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
Investment Rating
--
Address
102 East Whited Street
Jeffers, MN 56145
Jeffers, MN 56145
Phone Number
(507) 628-5533
Year Founded
1900
FDIC Number
Largest Affiliates
No affiliate information available.
