Major Rating Factors:
A current level of 21.9 percent of nonperforming loans to core capital combined with 7.1 percent from a year earlier contributes to the Weak asset quality (1.8). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.4 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (7.7 on a scale of 0 to 10) based on a risk-based capital ratio of 12.7 and a capital leverage ratio of 9.4. Operating profits as a percentage of assets at 1.6%, coupled with a return on assets of 1.6 has resulted in Good (6.4) profitability.
Asset Mix:
Home mtgs (37%), comm re (12%), comm loans (11%), consumer loans (6%), cash (3%), home eq lns (1%), 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
No affiliate information available.