Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 12.7. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.8 on a scale of 0 to 10).
Other Rating Factors:
A current level of 5.8 percent of nonperforming loans to core capital combined with 1.8 percent from a year earlier contributes to the Good asset quality (6.4). Operating profits as a percentage of assets at 1.7%, coupled with a return on assets of 1.6 has resulted in Good (5.8) profitability.
Asset Mix:
Securities (28%), comm loans (18%), home mtgs (13%), cash (7%), comm re (6%), consumer loans (4%), home eq lns (1%), other (23%)
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
Menahga Bancshares, Inc.
Investment Rating
--
Address
21 Main Street, NE
Menahga, MN 56464
Menahga, MN 56464
Phone Number
(218) 564-4171
Year Founded
1898
FDIC Number
Largest Affiliates
No affiliate information available.