Major Rating Factors:
A current level of 9.6 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 1.2%, coupled with a return on assets of 1.1 has resulted in Fair (4.7) profitability.
Other Rating Factors:
Good current capitalization (6.8 on a scale of 0 to 10) based on a risk-based capital ratio of 14.3 and a capital leverage ratio of 8.8. 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:
Home mtgs (22%), securities (21%), cash (8%), comm re (8%), comm loans (8%), consumer loans (4%), home eq lns (1%), other (28%)
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
No affiliate information available.