Major Rating Factors:
Operating profits as a percentage of assets at 0.9%, coupled with a return on assets of 0.7 has resulted in Fair (3.8) profitability. A current level of 15.4 percent of nonperforming loans to core capital combined with 4.0 percent from a year earlier contributes to the Weak asset quality (2.7).
Other Rating Factors:
Excellent current capitalization (7.4 on a scale of 0 to 10) based on a risk-based capital ratio of 13.5 and a capital leverage ratio of 9.3. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.4 on a scale of 0 to 10).
Asset Mix:
Home mtgs (20%), comm re (17%), securities (15%), comm loans (11%), cash (4%), consumer loans (2%), other (30%)
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
Waumandee Bancshares, Ltd.
Investment Rating
--
Address
S2021 County Road U
Waumandee, WI 54622
Waumandee, WI 54622
Phone Number
(608) 626-3131
Year Founded
1914
FDIC Number
Website
Largest Affiliates
No affiliate information available.