Major Rating Factors:
A current level of 9.7 percent of nonperforming loans to core capital combined with 8.9 percent from a year earlier contributes to the Fair asset quality (4.7). Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 1.1 has resulted in Fair (4.6) profitability.
Other Rating Factors:
Good current capitalization (6.7 on a scale of 0 to 10) based on a risk-based capital ratio of 14.0 and a capital leverage ratio of 8.7. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.0 on a scale of 0 to 10).
Asset Mix:
Home mtgs (22%), securities (22%), comm re (8%), comm loans (8%), cash (6%), consumer loans (4%), home eq lns (1%), other (30%)
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