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 (4.9 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.6%, coupled with a return on assets of 0.6 has resulted in Fair (3.5) profitability.
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 17.9 and a capital leverage ratio of 14.0. A current level of 3.2 percent of nonperforming loans to core capital combined with 7.3 percent from a year earlier contributes to the Good asset quality (6.6).
Asset Mix:
Securities (21%), comm re (9%), comm loans (3%), home mtgs (2%), cash (2%), consumer loans (1%), other (62%)
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
Taunton Bancshares, Inc.
Investment Rating
--
Address
101 North Main Street
Taunton, MN 56291
Taunton, MN 56291
Phone Number
(507) 872-6136
Year Founded
1905
FDIC Number
Largest Affiliates
No affiliate information available.