United Minnesota Bank
Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (2.3 on a scale of 0 to 10). Good current capitalization (5.1 on a scale of 0 to 10) based on a risk-based capital ratio of 13.9 and a capital leverage ratio of 7.3.
Other Rating Factors:
Weak liquidity 1.5, driven by a liquidity ratio of 29.0 percent and a “hot money” ratio of 10.7 percent. Operating profits as a percentage of assets at 1.9%, coupled with a return on assets of 1.6 has resulted in Good (5.7) profitability.
Asset Mix:
Home mtgs (32%), cash (15%), securities (13%), comm loans (10%), consumer loans (8%), comm re (5%), home eq lns (2%), other (15%)
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
Carlson Bankshares, Inc.
Investment Rating
--
Address
105 Central Avenue, East
New London, MN 56273
New London, MN 56273
Phone Number
(320) 354-2277
Year Founded
1890
FDIC Number
Website
Largest Affiliates
No affiliate information available.