Major Rating Factors:
A current level of 18.3 percent of nonperforming loans to core capital combined with 1.7 percent from a year earlier contributes to the Weak asset quality (2.1). Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 1.1 has resulted in Good (5.1) profitability.
Other Rating Factors:
Excellent current capitalization (9.9 on a scale of 0 to 10) and a capital leverage ratio of 11.0. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.6 on a scale of 0 to 10).
Asset Mix:
Comm re (26%), home mtgs (16%), securities (13%), comm loans (10%), cash (7%), consumer loans (3%), home eq lns (2%), other (23%)
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
Northwestern Bancshares, Inc.
Investment Rating
--
Address
Four North Main Street
Dilworth, MN 56529
Dilworth, MN 56529
Phone Number
(218) 287-2311
Year Founded
1915
FDIC Number
Website
Largest Affiliates
No affiliate information available.