Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 18.8 and a capital leverage ratio of 12.3. 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).
Other Rating Factors:
Operating profits as a percentage of assets at 1.8%, coupled with a return on assets of 1.3 has resulted in Good (6.8) profitability. A current level of 7.0 percent of nonperforming loans to core capital contributes to the Good asset quality (5.3).
Asset Mix:
Securities (16%), cash (14%), comm loans (7%), home mtgs (4%), consumer loans (3%), comm re (2%), other (55%)
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
No affiliate information available.