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 (3.7 on a scale of 0 to 10). A current level of 6.8 percent of nonperforming loans to core capital combined with 8.1 percent from a year earlier contributes to the Good asset quality (5.2).
Other Rating Factors:
Excellent current capitalization (9.8 on a scale of 0 to 10) based on a risk-based capital ratio of 15.6 and a capital leverage ratio of 10.9. Operating profits as a percentage of assets at 1.4%, coupled with a return on assets of 1.3 has resulted in Good (5.5) profitability.
Asset Mix:
Home mtgs (35%), comm re (22%), home eq lns (6%), comm loans (3%), securities (2%), cash (1%), consumer loans (1%), other (30%)
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
American Bancorporation of Minnesota, Inc.
Investment Rating
--
Address
7638 Woida Road
Baxter, MN 56425
Baxter, MN 56425
Phone Number
(218) 824-7900
Year Founded
1983
FDIC Number
Website
Largest Affiliates
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