Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 18.4 and a capital leverage ratio of 11.2. A current level of 6.1 percent of nonperforming loans to core capital combined with 11.5 percent from a year earlier contributes to the Good asset quality (6.1).
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 (4.9 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.8%, coupled with a return on assets of 0.7 has resulted in Fair (3.6) profitability.
Asset Mix:
Securities (27%), home mtgs (25%), comm re (23%), comm loans (9%), cash (3%), home eq lns (1%), consumer loans (1%), 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
No affiliate information available.