Major Rating Factors:
Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 0.9 has resulted in Fair (4.8) profitability. 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).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 19.1 and a capital leverage ratio of 16.4. A current level of 1.3 percent of nonperforming loans to core capital combined with 1.1 percent from a year earlier contributes to the Good asset quality (5.7).
Asset Mix:
Comm loans (15%), cash (12%), comm re (3%), consumer loans (2%), securities (2%), home mtgs (0%), other (66%)
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
Investment Rating
--
Address
205 Main Street
Frost, MN 56033
Frost, MN 56033
Phone Number
(507) 878-3203
Year Founded
1985
FDIC Number
Website
Largest Affiliates
No affiliate information available.