Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 16.2 and a capital leverage ratio of 11.5. Operating profits as a percentage of assets at 1.7%, coupled with a return on assets of 1.7 has resulted in Excellent (7.1) profitability.
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.8 on a scale of 0 to 10). A current level of 12.7 percent of nonperforming loans to core capital combined with 19.2 percent from a year earlier contributes to the Fair asset quality (4.5).
Asset Mix:
Securities (20%), comm loans (11%), home mtgs (5%), comm re (4%), cash (1%), home eq lns (1%), consumer loans (0%), other (59%)
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
Wabasso Bancshares, Inc.
Investment Rating
--
Address
726 Main Street
Wabasso, MN 56293
Wabasso, MN 56293
Phone Number
(507) 342-5111
Year Founded
1934
FDIC Number
Website
Largest Affiliates
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