Citizens Alliance Bank
Major Rating Factors:
A current level of 0.8 percent of nonperforming loans to core capital combined with 3.3 percent from a year earlier contributes to the Excellent asset quality (7.9). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.4 on a scale of 0 to 10).
Other Rating Factors:
Good current capitalization (6.4 on a scale of 0 to 10) based on a risk-based capital ratio of 13.6 and a capital leverage ratio of 8.4. Operating profits as a percentage of assets at 1.8%, coupled with a return on assets of 1.3 has resulted in Good (5.4) profitability.
Asset Mix:
Securities (20%), comm re (16%), cash (14%), home mtgs (8%), comm loans (8%), home eq lns (1%), consumer loans (1%), other (33%)
States with Branches:
MN, MT
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
Forstrom Bancorporation, Inc.
Investment Rating
--
Address
55 First Street, NW
Clara City, MN 56222
Clara City, MN 56222
Phone Number
(320) 847-3702
Year Founded
1902
FDIC Number
Largest Affiliates
No affiliate information available.