Major Rating Factors:
Good current capitalization (6.9 on a scale of 0 to 10) based on a risk-based capital ratio of 14.2 and a capital leverage ratio of 8.9. Operating profits as a percentage of assets at 1.6%, coupled with a return on assets of 1.1 has resulted in Good (6.0) profitability.
Other Rating Factors:
A current level of 7.5 percent of nonperforming loans to core capital combined with 5.6 percent from a year earlier contributes to the Good asset quality (5.3). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.0 on a scale of 0 to 10).
Asset Mix:
Comm re (27%), home mtgs (24%), cash (16%), securities (12%), comm loans (8%), home eq lns (5%), other (8%)
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
Lakeview Bancorporation, Inc.
Investment Rating
--
Address
9725 163rd Street, West
Lakeville, MN 55044
Lakeville, MN 55044
Phone Number
(952) 892-9700
Year Founded
2004
FDIC Number
Website
Largest Affiliates
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