Major Rating Factors:
A current level of 2.5 percent of nonperforming loans to core capital combined with 9.8 percent from a year earlier contributes to the Excellent asset quality (8.7). Good current capitalization (6.6 on a scale of 0 to 10) based on a risk-based capital ratio of 15.4 and a capital leverage ratio of 8.7.
Other Rating Factors:
Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 1.3 has resulted in Fair (4.9) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.0 on a scale of 0 to 10).
Asset Mix:
Securities (30%), comm re (25%), comm loans (10%), cash (9%), home mtgs (5%), home eq lns (1%), consumer loans (0%), other (20%)
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
N.A. Corporation
Investment Rating
--
Address
2230 Albert Street
Roseville, MN 55113
Roseville, MN 55113
Phone Number
(651) 636-9654
Year Founded
1998
FDIC Number
Website
Largest Affiliates
No affiliate information available.