Major Rating Factors:
Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 1.1 has resulted in Fair (4.8) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.3 on a scale of 0 to 10).
Other Rating Factors:
Good current capitalization (6.8 on a scale of 0 to 10) based on a risk-based capital ratio of 12.6 and a capital leverage ratio of 8.8. A current level of 5.2 percent of nonperforming loans to core capital combined with 5.3 percent from a year earlier contributes to the Good asset quality (5.1).
Asset Mix:
Home mtgs (30%), comm re (14%), securities (12%), comm loans (6%), home eq lns (3%), consumer loans (2%), cash (2%), other (31%)
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
Financial Services of Lowry, Inc.
Investment Rating
--
Address
211-213 Central Avenue
Osakis, MN 56360
Osakis, MN 56360
Phone Number
(320) 859-2101
Year Founded
1903
FDIC Number
Website
Largest Affiliates
No affiliate information available.