Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.3 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.8%, coupled with a return on assets of 1.8 has resulted in Good (6.2) profitability.
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 12.4. A current level of 0.5 percent of nonperforming loans to core capital combined with 4.3 percent from a year earlier contributes to the Excellent asset quality (8.3).
Asset Mix:
Securities (29%), comm re (17%), home mtgs (12%), cash (7%), comm loans (6%), consumer loans (0%), other (28%)
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
Portage County Bancshares, Inc.
Investment Rating
--
Address
1155 County Road D
Almond, WI 54909
Almond, WI 54909
Phone Number
(715) 366-4311
Year Founded
1901
FDIC Number
Website
Largest Affiliates
No affiliate information available.