Major Rating Factors:
A current level of 9.0 percent of nonperforming loans to core capital combined with 18.8 percent from a year earlier contributes to the Fair asset quality (4.1). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.5 on a scale of 0 to 10).
Other Rating Factors:
Good current capitalization (6.4 on a scale of 0 to 10) based on a risk-based capital ratio of 12.2 and a capital leverage ratio of 8.4. Operating profits as a percentage of assets at 0.6%, coupled with a return on assets of 0.5 has resulted in Weak (2.6) profitability.
Asset Mix:
Comm re (30%), comm loans (24%), securities (14%), cash (7%), home mtgs (7%), home eq lns (2%), consumer loans (0%), 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
Crown Bankshares, Inc.
Investment Rating
--
Address
6600 France Avenue, South
Edina, MN 55435
Edina, MN 55435
Phone Number
(952) 285-5800
Year Founded
2000
FDIC Number
Website
Largest Affiliates
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