CenBank
Major Rating Factors:
A current level of 0.0 percent of nonperforming loans to core capital combined with 0.1 percent from a year earlier contributes to the Excellent asset quality (8.2). Good current capitalization (5.7 on a scale of 0 to 10) based on a risk-based capital ratio of 12.8 and a capital leverage ratio of 7.7.
Other Rating Factors:
Operating profits as a percentage of assets at 1.4%, coupled with a return on assets of 1.4 has resulted in Good (5.6) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.8 on a scale of 0 to 10).
Asset Mix:
Securities (33%), comm re (14%), comm loans (7%), consumer loans (5%), home mtgs (3%), cash (2%), 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
Central Trust Company
Investment Rating
--
Address
109 West Yellowstone Trail
Buffalo Lake, MN 55314
Buffalo Lake, MN 55314
Phone Number
(320) 833-5325
Year Founded
1893
FDIC Number
Website
Largest Affiliates
Lander, WY
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Bank
Grand Marais, MN
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Bank