Major Rating Factors:
A current level of 0.8 percent of nonperforming loans to core capital combined with 1.4 percent from a year earlier contributes to the Excellent asset quality (8.6). Excellent current capitalization (8.1 on a scale of 0 to 10) based on a risk-based capital ratio of 14.5 and a capital leverage ratio of 9.7.
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.1 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 1.1 has resulted in Fair (4.4) profitability.
Asset Mix:
Securities (24%), comm re (24%), home mtgs (9%), comm loans (8%), cash (7%), home eq lns (1%), consumer loans (1%), other (27%)
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
First Bancorporation, Inc.
Investment Rating
--
Address
401 Main Street
La Crosse, WI 54601
La Crosse, WI 54601
Phone Number
(608) 784-4600
Year Founded
1998
FDIC Number
Largest Affiliates
No affiliate information available.