Major Rating Factors:
A current level of 7.2 percent of nonperforming loans to core capital combined with 9.9 percent from a year earlier contributes to the Fair asset quality (5.0). 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).
Other Rating Factors:
Good current capitalization (6.0 on a scale of 0 to 10) based on a risk-based capital ratio of 13.4 and a capital leverage ratio of 8.0. Operating profits as a percentage of assets at 0.8%, coupled with a return on assets of 0.7 has resulted in Fair (3.3) profitability.
Asset Mix:
Home mtgs (21%), securities (21%), comm re (9%), cash (8%), comm loans (7%), consumer loans (4%), home eq lns (1%), other (29%)
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