Major Rating Factors:
A current level of 6.0 percent of nonperforming loans to core capital combined with 3.6 percent from a year earlier contributes to the Fair asset quality (5.0). Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 1.1 has resulted in Fair (4.5) profitability.
Other Rating Factors:
Good current capitalization (6.7 on a scale of 0 to 10) based on a risk-based capital ratio of 11.7 and a capital leverage ratio of 8.7. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.7 on a scale of 0 to 10).
Asset Mix:
Home mtgs (30%), comm re (14%), securities (10%), comm loans (7%), home eq lns (3%), consumer loans (2%), cash (1%), other (33%)
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
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