Major Rating Factors:
A current level of 5.5 percent of nonperforming loans to core capital combined with 7.8 percent from a year earlier contributes to the Fair asset quality (4.9). Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 1.0 has resulted in Fair (4.5) profitability.
Other Rating Factors:
Excellent current capitalization (7.2 on a scale of 0 to 10) based on a risk-based capital ratio of 14.6 and a capital leverage ratio of 9.2. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.6 on a scale of 0 to 10).
Asset Mix:
Securities (23%), home mtgs (22%), comm re (9%), comm loans (7%), cash (3%), consumer loans (3%), home eq lns (1%), other (32%)
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
Cattail Bancshares, Inc.
Investment Rating
--
Address
75 North Main Street
Kimball, MN 55353
Kimball, MN 55353
Phone Number
(320) 398-3500
Year Founded
1901
FDIC Number
Website
Largest Affiliates
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