Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 16.8. Operating profits as a percentage of assets at 2.0%, coupled with a return on assets of 2.0 has resulted in Excellent (8.5) profitability.
Other Rating Factors:
A current level of 1.4 percent of nonperforming loans to core capital combined with 0.2 percent from a year earlier contributes to the Good asset quality (6.8). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.7 on a scale of 0 to 10).
Asset Mix:
Comm loans (24%), cash (11%), comm re (10%), securities (9%), home eq lns (1%), consumer loans (0%), other (45%)
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
Scale Holding Company
Investment Rating
--
Address
7600 Parklawn Avenue
Edina, MN 55435
Edina, MN 55435
Phone Number
(952) 831-6600
Year Founded
1970
FDIC Number
Website
Largest Affiliates
No affiliate information available.