Major Rating Factors:
Operating profits as a percentage of assets at 1.4%, coupled with a return on assets of 1.4 has resulted in Fair (4.9) profitability. A current level of 19.0 percent of nonperforming loans to core capital combined with 19.0 percent from a year earlier contributes to the Fair asset quality (4.3).
Other Rating Factors:
Excellent current capitalization (8.1 on a scale of 0 to 10) and a capital leverage ratio of 9.7. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.9 on a scale of 0 to 10).
Asset Mix:
Home mtgs (21%), securities (12%), comm loans (9%), comm re (5%), cash (5%), consumer loans (4%), home eq lns (2%), other (41%)
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
Traxshares, Inc.
Investment Rating
--
Address
701 Ash Street NE
Lonsdale, MN 55046
Lonsdale, MN 55046
Phone Number
(507) 357-2273
Year Founded
1901
FDIC Number
Website
Largest Affiliates
No affiliate information available.