Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 21.1 and a capital leverage ratio of 12.6. A current level of 0.0 percent of nonperforming loans to core capital combined with 1.6 percent from a year earlier contributes to the Excellent asset quality (8.1).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.7 on a scale of 0 to 10). Fair liquidity 4.2, driven by a liquidity ratio of 34.3 percent and a “hot money” ratio of 8.6 percent.
Asset Mix:
Securities (28%), cash (21%), comm loans (14%), comm re (7%), home mtgs (2%), consumer loans (2%), other (25%)
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
First Sleepy Eye Bancorporation, Inc.
Investment Rating
--
Address
102 Saint Olaf Avenue, North
Canby, MN 56220
Canby, MN 56220
Phone Number
(507) 223-7231
Year Founded
1890
FDIC Number
Largest Affiliates
Sleepy Eye, MN
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Bank