Major Rating Factors:
Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 1.1 has resulted in Fair (4.7) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.2 on a scale of 0 to 10).
Other Rating Factors:
A current level of 2.5 percent of nonperforming loans to core capital combined with 1.8 percent from a year earlier contributes to the Excellent asset quality (7.3). Good current capitalization (6.4 on a scale of 0 to 10) and a capital leverage ratio of 8.5.
Asset Mix:
Home mtgs (20%), securities (12%), cash (10%), comm loans (7%), comm re (5%), consumer loans (4%), home eq lns (2%), other (39%)
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.