Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (1.3 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.0%, coupled with a return on assets of 0.1 has resulted in Very Weak (0.9) profitability.
Other Rating Factors:
A current level of 0.0 percent of nonperforming loans to core capital combined with 0.0 percent from a year earlier contributes to the Excellent asset quality (9.6). Good current capitalization (6.9 on a scale of 0 to 10) based on a risk-based capital ratio of 18.2 and a capital leverage ratio of 8.9.
Asset Mix:
Securities (52%), home mtgs (6%), cash (5%), comm loans (4%), comm re (2%), consumer loans (1%), other (29%)
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
Investment Rating
--
Address
101 Main Street
Fountain, MN 55935
Fountain, MN 55935
Phone Number
(507) 268-4321
Year Founded
1901
FDIC Number
Website
Largest Affiliates
No affiliate information available.