Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 17.4 and a capital leverage ratio of 11.4. A current level of 5.3 percent of nonperforming loans to core capital combined with 10.6 percent from a year earlier contributes to the Good asset quality (6.6).
Other 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 (5.0 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 1.1 has resulted in Fair (4.6) profitability.
Asset Mix:
Home mtgs (25%), securities (24%), comm re (23%), comm loans (12%), cash (2%), home eq lns (1%), consumer loans (0%), other (12%)
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
F & M Bankshares, Inc.
Investment Rating
--
Address
1644 Ludington Street
Marinette, WI 54143
Marinette, WI 54143
Phone Number
(715) 735-6617
Year Founded
1902
FDIC Number
Website
Largest Affiliates
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