Citizens State Bank Norwood Young America
Major 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 (6.6 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.6%, coupled with a return on assets of 1.5 has resulted in Good (6.5) profitability.
Other Rating Factors:
Good current capitalization (5.9 on a scale of 0 to 10) based on a risk-based capital ratio of 16.5 and a capital leverage ratio of 7.9. Fair liquidity 4.4, driven by a liquidity ratio of 49.9 percent and a “hot money” ratio of 15.1 percent.
Asset Mix:
Securities (23%), cash (22%), comm loans (13%), home mtgs (7%), comm re (6%), home eq lns (2%), consumer loans (1%), other (26%)
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
Piesco, Inc.
Investment Rating
--
Address
409 Faxon Road North
Norwood Young America, MN 55368
Norwood Young America, MN 55368
Phone Number
(952) 467-3000
Year Founded
1914
FDIC Number
Largest Affiliates
Springfield, MN
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Bank