Major Rating Factors:
Excellent current capitalization (9.6 on a scale of 0 to 10) based on a risk-based capital ratio of 15.5 and a capital leverage ratio of 10.7. A current level of 0.9 percent of nonperforming loans to core capital combined with 0.5 percent from a year earlier contributes to the Excellent asset quality (7.4).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.4 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.5%, coupled with a return on assets of 1.1 has resulted in Good (5.4) profitability.
Asset Mix:
Comm re (38%), securities (22%), comm loans (11%), home mtgs (6%), cash (1%), other (21%)
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
Crosstown Holding Company
Investment Rating
--
Address
699 North Medina Street
Loretto, MN 55357
Loretto, MN 55357
Phone Number
(763) 479-2178
Year Founded
1917
FDIC Number
Website
Largest Affiliates
No affiliate information available.