The Citizens National Bank of Park Rapids
Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (5.0 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.8%, coupled with a return on assets of 1.7 has resulted in Good (6.8) profitability.
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 11.6. A current level of 1.1 percent of nonperforming loans to core capital combined with 1.7 percent from a year earlier contributes to the Excellent asset quality (8.0).
Asset Mix:
Home mtgs (26%), comm re (17%), securities (16%), cash (8%), comm loans (6%), consumer loans (4%), home eq lns (4%), other (18%)
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
Park Rapids Bancshares, Inc.
Investment Rating
--
Address
300 West First Street
Park Rapids, MN 56470
Park Rapids, MN 56470
Phone Number
(218) 732-3393
Year Founded
1933
FDIC Number
Website
Largest Affiliates
No affiliate information available.