Major Rating Factors:
Excellent current capitalization (8.2 on a scale of 0 to 10) based on a risk-based capital ratio of 17.8 and a capital leverage ratio of 9.8. A current level of 6.9 percent of nonperforming loans to core capital combined with 19.0 percent from a year earlier contributes to the Good asset quality (5.0).
Other Rating Factors:
Operating profits as a percentage of assets at 1.5%, coupled with a return on assets of 1.5 has resulted in Fair (4.2) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.9 on a scale of 0 to 10).
Asset Mix:
Securities (28%), home mtgs (18%), comm loans (14%), comm re (13%), cash (6%), consumer loans (4%), other (16%)
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
Rum River Bancorporation, Inc.
Investment Rating
--
Address
190 Second Avenue, SW
Milaca, MN 56353
Milaca, MN 56353
Phone Number
(320) 983-3101
Year Founded
1897
FDIC Number
Website
Largest Affiliates
No affiliate information available.