Major Rating Factors:
A current level of 10.3 percent of nonperforming loans to core capital combined with 9.0 percent from a year earlier contributes to the Fair asset quality (4.1). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.7 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 18.4 and a capital leverage ratio of 13.9. Operating profits as a percentage of assets at 1.4%, coupled with a return on assets of 1.3 has resulted in Good (5.0) profitability.
Asset Mix:
Comm re (34%), home mtgs (12%), securities (11%), comm loans (6%), cash (3%), consumer loans (0%), other (34%)
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
Commerce Bancshares, Inc.
Investment Rating
--
Address
101 Central Avenue South
Geneva, MN 56035
Geneva, MN 56035
Phone Number
(952) 841-9750
Year Founded
1915
FDIC Number
Website
Largest Affiliates
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