Major Rating Factors:
Operating profits as a percentage of assets at 1.0%, coupled with a return on assets of 0.7 has resulted in Fair (3.7) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.3 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (8.3 on a scale of 0 to 10) based on a risk-based capital ratio of 13.8 and a capital leverage ratio of 9.9. A current level of 1.2 percent of nonperforming loans to core capital combined with 2.6 percent from a year earlier contributes to the Excellent asset quality (7.6).
Asset Mix:
Comm re (16%), securities (13%), home mtgs (10%), cash (7%), comm loans (6%), home eq lns (2%), consumer loans (0%), other (47%)
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
Profinium Financial Holdings, Inc.
Investment Rating
--
Address
414 North Fifth Avenue, East
Truman, MN 56088
Truman, MN 56088
Phone Number
(507) 776-2311
Year Founded
1916
FDIC Number
Website
Largest Affiliates
No affiliate information available.