Major Rating Factors:
A current level of 6.6 percent of nonperforming loans to core capital combined with 8.5 percent from a year earlier contributes to the Fair asset quality (4.9). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.9 on a scale of 0 to 10).
Other Rating Factors:
Good current capitalization (6.7 on a scale of 0 to 10) based on a risk-based capital ratio of 14.1 and a capital leverage ratio of 8.7. Operating profits as a percentage of assets at 0.9%, coupled with a return on assets of 0.9 has resulted in Fair (3.6) profitability.
Asset Mix:
Home mtgs (22%), securities (19%), comm re (9%), comm loans (8%), cash (5%), consumer loans (4%), home eq lns (1%), other (33%)
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
Waverly, MN
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Bank