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 (4.9 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.7%, coupled with a return on assets of 0.6 has resulted in Very Weak (0.9) profitability.
Other Rating Factors:
A current level of 1.3 percent of nonperforming loans to core capital contributes to the Excellent asset quality (8.3). Excellent current capitalization (8.0 on a scale of 0 to 10) based on a risk-based capital ratio of 18.3 and a capital leverage ratio of 9.7.
Asset Mix:
Securities (32%), home mtgs (16%), cash (14%), comm re (8%), comm loans (3%), home eq lns (2%), consumer loans (1%), other (24%)
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
Cattail Bancshares, Inc.
Investment Rating
--
Address
609 Pacific Avenue
Waverly, MN 55390
Waverly, MN 55390
Phone Number
(763) 658-4417
Year Founded
1907
FDIC Number
Website
Largest Affiliates
Kimball, MN
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Bank