Major Rating Factors:
A current level of 9.3 percent of nonperforming loans to core capital combined with 11.0 percent from a year earlier contributes to the Fair asset quality (3.6). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (8.4 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 12.7. Operating profits as a percentage of assets at 2.8%, coupled with a return on assets of 2.8 has resulted in Excellent (10.0) profitability.
Asset Mix:
Comm loans (8%), securities (6%), comm re (5%), consumer loans (2%), home mtgs (2%), cash (2%), other (74%)
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
MPS Investment Company
Investment Rating
--
Address
239 North Miles Street
Appleton, MN 56208
Appleton, MN 56208
Phone Number
(320) 289-1454
Year Founded
1915
FDIC Number
Website
Largest Affiliates
No affiliate information available.