Major Rating Factors:
Operating profits as a percentage of assets at 0.9%, coupled with a return on assets of 0.8 has resulted in Fair (4.0) profitability. A current level of 15.9 percent of nonperforming loans to core capital combined with 13.4 percent from a year earlier contributes to the Weak asset quality (2.9).
Other Rating Factors:
Good current capitalization (6.7 on a scale of 0 to 10) based on a risk-based capital ratio of 11.0 and a capital leverage ratio of 8.7. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.2 on a scale of 0 to 10).
Asset Mix:
Comm re (25%), securities (13%), home mtgs (10%), comm loans (10%), cash (2%), home eq lns (1%), consumer loans (0%), other (40%)
States with Branches:
WI
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
FS BancShares, Inc.
Investment Rating
--
Address
86 East Water Street
Markesan, WI 53946
Markesan, WI 53946
Phone Number
(920) 398-2336
Year Founded
1910
FDIC Number
Website
Largest Affiliates
No affiliate information available.