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 (4.3 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.7%, coupled with a return on assets of 1.7 has resulted in Good (6.7) profitability.
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 12.1. A current level of 1.3 percent of nonperforming loans to core capital combined with 1.3 percent from a year earlier contributes to the Excellent asset quality (7.9).
Asset Mix:
Home mtgs (28%), comm re (19%), cash (11%), securities (7%), comm loans (6%), home eq lns (5%), consumer loans (4%), other (20%)
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.