Major Rating Factors:
A current level of 8.1 percent of nonperforming loans to core capital combined with 15.8 percent from a year earlier contributes to the Fair asset quality (4.9). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.2 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 11.0. Operating profits as a percentage of assets at 1.0%, coupled with a return on assets of 1.0 has resulted in Fair (3.9) profitability.
Asset Mix:
Securities (39%), home mtgs (27%), cash (7%), consumer loans (7%), comm re (6%), comm loans (5%), other (10%)
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
Lake Park Bancshares, Inc.
Investment Rating
--
Address
2049 Second Street
Lake Park, MN 56554
Lake Park, MN 56554
Phone Number
(218) 238-5955
Year Founded
1926
FDIC Number
Largest Affiliates
No affiliate information available.