Lake Country Community Bank
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 (3.6 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.3%, coupled with a return on assets of 0.2 has resulted in Weak (2.2) profitability.
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 21.6 and a capital leverage ratio of 11.9. A current level of 0.0 percent of nonperforming loans to core capital combined with 0.0 percent from a year earlier contributes to the Excellent asset quality (9.2).
Asset Mix:
Securities (21%), comm re (18%), cash (17%), home mtgs (15%), comm loans (14%), home eq lns (3%), consumer loans (1%), other (11%)
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
Silver Springs Financial Corp
Investment Rating
--
Address
111 North Division Street
Morristown, MN 55052
Morristown, MN 55052
Phone Number
(507) 685-2300
Year Founded
1928
FDIC Number
Website
Largest Affiliates
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