Major Rating Factors:
Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 1.3 has resulted in Fair (4.5) profitability. A current level of 32.0 percent of nonperforming loans to core capital combined with 27.4 percent from a year earlier contributes to the Weak asset quality (1.4).
Other Rating Factors:
Excellent current capitalization (7.9 on a scale of 0 to 10) based on a risk-based capital ratio of 13.3 and a capital leverage ratio of 9.6. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.5 on a scale of 0 to 10).
Asset Mix:
Home mtgs (36%), comm re (13%), comm loans (9%), consumer loans (5%), cash (5%), home eq lns (2%), securities (1%), other (30%)
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
Financial Services of Lowry, Inc.
Investment Rating
--
Address
400 Florence Avenue
Lowry, MN 56349
Lowry, MN 56349
Phone Number
(320) 283-5149
Year Founded
1899
FDIC Number
Website
Largest Affiliates
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