Pine Country Bank
Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.7 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.4%, coupled with a return on assets of 1.0 has resulted in Good (6.0) profitability.
Other Rating Factors:
Excellent current capitalization (7.8 on a scale of 0 to 10) based on a risk-based capital ratio of 15.3 and a capital leverage ratio of 9.5. A current level of 0.8 percent of nonperforming loans to core capital combined with 1.3 percent from a year earlier contributes to the Good asset quality (6.4).
Asset Mix:
Securities (25%), comm loans (13%), cash (11%), comm re (9%), home mtgs (8%), home eq lns (2%), consumer loans (1%), other (31%)
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
MidCountry Acquisition Corp.
Investment Rating
--
Address
1201 First Avenue, NE
Little Falls, MN 56345
Little Falls, MN 56345
Phone Number
(320) 632-9740
Year Founded
1927
FDIC Number
Website
Largest Affiliates
No affiliate information available.