Major Rating Factors:
A current level of 0.1 percent of nonperforming loans to core capital combined with 0.3 percent from a year earlier contributes to the Excellent asset quality (9.0). Excellent current capitalization (7.6 on a scale of 0 to 10) based on a risk-based capital ratio of 16.8 and a capital leverage ratio of 9.4.
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.0 on a scale of 0 to 10). Fair liquidity 4.0, driven by a liquidity ratio of 54.9 percent and a “hot money” ratio of 39.7 percent.
Asset Mix:
Cash (38%), comm re (8%), home mtgs (7%), comm loans (3%), home eq lns (1%), consumer loans (1%), securities (0%), other (42%)
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
Global Innovations Holdings, Incorporated
Investment Rating
--
Address
101 North Main Street
Kiester, MN 56051
Kiester, MN 56051
Phone Number
(877) 294-3621
Year Founded
1899
FDIC Number
Website
Largest Affiliates
No affiliate information available.