Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.3 on a scale of 0 to 10). A current level of 9.8 percent of nonperforming loans to core capital combined with 5.2 percent from a year earlier contributes to the Good asset quality (5.6).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 25.3 and a capital leverage ratio of 17.8. Operating profits as a percentage of assets at 1.9%, coupled with a return on assets of 1.9 has resulted in Good (6.5) profitability.
Asset Mix:
Comm re (25%), cash (23%), comm loans (20%), securities (10%), home mtgs (9%), consumer loans (2%), home eq lns (1%), other (10%)
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
No affiliate information available.