Vermillion State Bank
Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 12.4. A current level of 1.0 percent of nonperforming loans to core capital combined with 0.9 percent from a year earlier contributes to the Excellent asset quality (9.1).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (9.0 on a scale of 0 to 10). Operating profits as a percentage of assets at 2.0%, coupled with a return on assets of 2.0 has resulted in Excellent (7.5) profitability.
Asset Mix:
Securities (44%), home mtgs (15%), comm re (13%), comm loans (9%), cash (7%), consumer loans (1%), home eq lns (1%), other (10%)
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
Vermillion Bancshares, Inc.
Investment Rating
--
Address
107 Main Street, East
Vermillion, MN 55085
Vermillion, MN 55085
Phone Number
(651) 437-4433
Year Founded
1918
FDIC Number
Website
Largest Affiliates
No affiliate information available.