The First National Bank at Saint James
Major Rating Factors:
Operating profits as a percentage of assets at 0.7%, coupled with a return on assets of 0.5 has resulted in Fair (3.4) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.4 on a scale of 0 to 10).
Other Rating Factors:
A current level of 4.3 percent of nonperforming loans to core capital combined with 0.5 percent from a year earlier contributes to the Excellent asset quality (7.2). Good current capitalization (6.2 on a scale of 0 to 10) based on a risk-based capital ratio of 14.0 and a capital leverage ratio of 8.2.
Asset Mix:
Home mtgs (30%), securities (13%), cash (12%), comm re (7%), consumer loans (6%), comm loans (2%), other (30%)
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
First National Agency At Saint James, Inc.
Investment Rating
--
Address
202 First Avenue, South
Saint James, MN 56081
Saint James, MN 56081
Phone Number
(507) 375-3376
Year Founded
1934
FDIC Number
Website
Largest Affiliates
No affiliate information available.