Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 17.7 and a capital leverage ratio of 12.9. Operating profits as a percentage of assets at 2.3%, coupled with a return on assets of 1.5 has resulted in Excellent (9.3) profitability.
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.0 on a scale of 0 to 10). Weak liquidity 2.8, driven by a liquidity ratio of 32.3 percent and a “hot money” ratio of 15.8 percent.
Asset Mix:
Comm loans (13%), cash (12%), securities (9%), comm re (8%), consumer loans (3%), home eq lns (2%), home mtgs (1%), other (50%)
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
Trimont Bancorporation
Investment Rating
--
Address
519 East Main Street
Trimont, MN 56176
Trimont, MN 56176
Phone Number
(507) 639-2981
Year Founded
1901
FDIC Number
Website
Largest Affiliates
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