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 35.5 and a capital leverage ratio of 14.7. A current level of 3.5 percent of nonperforming loans to core capital combined with 0.6 percent from a year earlier contributes to the Excellent asset quality (8.3).
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 (6.5 on a scale of 0 to 10). Good liquidity 5.8, driven by a liquidity ratio of 58.9 percent and a “hot money” ratio of 5.7 percent.
Asset Mix:
Securities (35%), cash (33%), comm loans (7%), comm re (4%), home mtgs (3%), consumer loans (1%), other (17%)
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
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Bank