First Security Bank - Sleepy Eye
Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 34.0 and a capital leverage ratio of 14.3. A current level of 0.2 percent of nonperforming loans to core capital combined with 0.7 percent from a year earlier contributes to the Excellent asset quality (8.8).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.4 on a scale of 0 to 10). Good liquidity 5.4, driven by a liquidity ratio of 47.7 percent and a “hot money” ratio of 5.6 percent.
Asset Mix:
Securities (43%), cash (22%), comm loans (7%), comm re (5%), home mtgs (3%), consumer loans (1%), other (19%)
States with Branches:
IA, 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
First Sleepy Eye Bancorporation, Inc.
Investment Rating
--
Address
100 East Main Street
Sleepy Eye, MN 56085
Sleepy Eye, MN 56085
Phone Number
(507) 794-3911
Year Founded
1881
FDIC Number
Largest Affiliates
Canby, MN
-
Bank