Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 20.3 and a capital leverage ratio of 13.8. A current level of 2.7 percent of nonperforming loans to core capital combined with 9.9 percent from a year earlier contributes to the Excellent asset quality (7.8).
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 (6.8 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 1.3 has resulted in Fair (4.9) profitability.
Asset Mix:
Securities (34%), comm loans (10%), home mtgs (9%), comm re (5%), cash (2%), consumer loans (1%), home eq lns (1%), other (36%)
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
Krause Financial, Inc.
Investment Rating
--
Address
One Main Street, South
Winnebago, MN 56098
Winnebago, MN 56098
Phone Number
(507) 893-3155
Year Founded
1913
FDIC Number
Website
Largest Affiliates
There are no affiliate to display.