Major Rating Factors:
A current level of 22.5 percent of nonperforming loans to core capital combined with 1.3 percent from a year earlier contributes to the Fair asset quality (3.7). Operating profits as a percentage of assets at 0.9%, coupled with a return on assets of 0.6 has resulted in Fair (3.5) profitability.
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 11.2. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.3 on a scale of 0 to 10).
Asset Mix:
Cash (14%), securities (12%), comm loans (8%), comm re (8%), home mtgs (7%), consumer loans (3%), other (48%)
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
Investment Rating
--
Address
210 North Main Street
Alpha, MN 56111
Alpha, MN 56111
Phone Number
(507) 847-3620
Year Founded
1911
FDIC Number
Largest Affiliates
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