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 (4.3 on a scale of 0 to 10). A current level of 2.8 percent of nonperforming loans to core capital combined with 4.5 percent from a year earlier contributes to the Good asset quality (5.5).
Other Rating Factors:
Excellent current capitalization (8.3 on a scale of 0 to 10) based on a risk-based capital ratio of 15.5 and a capital leverage ratio of 9.9. Operating profits as a percentage of assets at 1.6%, coupled with a return on assets of 1.2 has resulted in Good (6.5) profitability.
Asset Mix:
Securities (28%), comm loans (12%), comm re (11%), home mtgs (8%), cash (5%), home eq lns (2%), consumer loans (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
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.