Major Rating Factors:
A current level of 19.8 percent of nonperforming loans to core capital combined with 9.9 percent from a year earlier contributes to the Fair asset quality (3.5). Operating profits as a percentage of assets at 0.7%, coupled with a return on assets of 0.7 has resulted in Weak (1.5) profitability.
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 27.9 and a capital leverage ratio of 18.1. 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).
Asset Mix:
Cash (26%), comm loans (20%), comm re (19%), home mtgs (12%), securities (10%), consumer loans (3%), home eq lns (1%), other (9%)
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
Swanville Bancshares, Inc.
Investment Rating
--
Address
306 Degraff Avenue
Swanville, MN 56382
Swanville, MN 56382
Phone Number
(320) 547-2442
Year Founded
1907
FDIC Number
Website
Largest Affiliates
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