Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 11.2. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.0 on a scale of 0 to 10).
Other Rating Factors:
Operating profits as a percentage of assets at 1.9%, coupled with a return on assets of 1.9 has resulted in Good (6.7) profitability. A current level of 8.1 percent of nonperforming loans to core capital combined with 19.4 percent from a year earlier contributes to the Good asset quality (5.0).
Asset Mix:
Comm re (23%), home mtgs (17%), securities (13%), comm loans (10%), cash (8%), consumer loans (2%), home eq lns (2%), 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
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
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