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 (3.3 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.7%, coupled with a return on assets of 1.5 has resulted in Good (6.1) profitability.
Other Rating Factors:
A current level of 1.8 percent of nonperforming loans to core capital combined with 4.3 percent from a year earlier contributes to the Excellent asset quality (7.5). Good current capitalization (6.5 on a scale of 0 to 10) based on a risk-based capital ratio of 14.6 and a capital leverage ratio of 8.5.
Asset Mix:
Securities (24%), home mtgs (22%), comm loans (15%), comm re (9%), cash (8%), consumer loans (2%), home eq lns (2%), other (18%)
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
Knoff Bancshares, Inc.
Investment Rating
--
Address
365 Broadway Avenue, South
Cokato, MN 55321
Cokato, MN 55321
Phone Number
(320) 286-2191
Year Founded
1916
FDIC Number
Website
Largest Affiliates
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