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 (4.3 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.4%, coupled with a return on assets of 1.0 has resulted in Good (5.0) profitability.
Other Rating Factors:
Excellent current capitalization (8.6 on a scale of 0 to 10) based on a risk-based capital ratio of 13.0 and a capital leverage ratio of 10.1. A current level of 5.2 percent of nonperforming loans to core capital combined with 5.1 percent from a year earlier contributes to the Good asset quality (5.4).
Asset Mix:
Comm re (33%), comm loans (13%), securities (12%), home mtgs (8%), cash (5%), home eq lns (3%), consumer loans (1%), other (24%)
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
Alliance Financial Services, Inc.
Investment Rating
--
Address
105 East Lyon Avenue
Lake City, MN 55041
Lake City, MN 55041
Phone Number
(651) 229-0070
Year Founded
1867
FDIC Number
Website
Largest Affiliates
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