Village Bank
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 (3.6 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.8%, coupled with a return on assets of 0.7 has resulted in Fair (3.2) profitability.
Other Rating Factors:
A current level of 1.4 percent of nonperforming loans to core capital combined with 0.3 percent from a year earlier contributes to the Excellent asset quality (7.9). Good current capitalization (6.8 on a scale of 0 to 10) based on a risk-based capital ratio of 13.7 and a capital leverage ratio of 8.8.
Asset Mix:
Comm re (32%), securities (24%), comm loans (15%), home mtgs (11%), cash (2%), home eq lns (1%), other (15%)
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
Village Bancshares, Inc.
Investment Rating
--
Address
3350 Bridge Street, NW
Saint Francis, MN 55070
Saint Francis, MN 55070
Phone Number
(763) 753-3007
Year Founded
1993
FDIC Number
Largest Affiliates
No affiliate information available.