Major Rating Factors:
Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 1.3 has resulted in Fair (3.6) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (1.9 on a scale of 0 to 10).
Other Rating Factors:
A current level of 2.9 percent of nonperforming loans to core capital combined with 17.9 percent from a year earlier contributes to the Good asset quality (6.7). Good current capitalization (5.5 on a scale of 0 to 10) based on a risk-based capital ratio of 10.3 and a capital leverage ratio of 7.5.
Asset Mix:
Securities (21%), comm re (17%), home mtgs (17%), comm loans (9%), home eq lns (5%), cash (2%), consumer loans (1%), other (29%)
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
Woodford Bancshares, Inc.
Investment Rating
--
Address
403 West Eighth Street
Monroe, WI 53566
Monroe, WI 53566
Phone Number
(608) 325-7766
Year Founded
1915
FDIC Number
Largest Affiliates
No affiliate information available.