Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.7 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.8%, coupled with a return on assets of 0.5 has resulted in Fair (3.2) profitability.
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 11.6. A current level of 0.8 percent of nonperforming loans to core capital combined with 34.2 percent from a year earlier contributes to the Excellent asset quality (7.3).
Asset Mix:
Cash (15%), securities (10%), comm re (9%), comm loans (8%), home mtgs (7%), consumer loans (4%), other (47%)
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
No affiliate information available.