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 (5.0 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.9%, coupled with a return on assets of 1.7 has resulted in Excellent (7.8) profitability.
Other Rating Factors:
Excellent current capitalization (9.6 on a scale of 0 to 10) based on a risk-based capital ratio of 16.9 and a capital leverage ratio of 10.7. A current level of 2.3 percent of nonperforming loans to core capital combined with 1.2 percent from a year earlier contributes to the Excellent asset quality (8.0).
Asset Mix:
Home mtgs (31%), comm re (23%), cash (11%), comm loans (11%), securities (10%), home eq lns (5%), consumer loans (2%), other (8%)
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
Lake Elmo Bancshares, Inc.
Investment Rating
--
Address
11465 39th Street, North
Lake Elmo, MN 55042
Lake Elmo, MN 55042
Phone Number
(651) 777-8365
Year Founded
1911
FDIC Number
Website
Largest Affiliates
No affiliate information available.