Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 17.4 and a capital leverage ratio of 11.6. Operating profits as a percentage of assets at 2.1%, coupled with a return on assets of 1.5 has resulted in Excellent (7.6) profitability.
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.9 on a scale of 0 to 10). A current level of 5.2 percent of nonperforming loans to core capital combined with 9.3 percent from a year earlier contributes to the Fair asset quality (4.8).
Asset Mix:
Securities (14%), cash (14%), comm loans (6%), home mtgs (4%), consumer loans (3%), comm re (1%), other (58%)
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
Chandler Bancshares, Inc.
Investment Rating
--
Address
342 Main Avenue
Chandler, MN 56122
Chandler, MN 56122
Phone Number
(507) 677-2201
Year Founded
1902
FDIC Number
Largest Affiliates
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