Major Rating Factors:
A current level of 5.6 percent of nonperforming loans to core capital combined with 12.9 percent from a year earlier contributes to the Fair asset quality (4.6). Operating profits as a percentage of assets at 1.4%, coupled with a return on assets of 1.2 has resulted in Good (5.3) profitability.
Other Rating Factors:
Excellent current capitalization (7.6 on a scale of 0 to 10) based on a risk-based capital ratio of 15.0 and a capital leverage ratio of 9.4. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.2 on a scale of 0 to 10).
Asset Mix:
Home mtgs (27%), securities (15%), comm re (14%), comm loans (7%), cash (6%), consumer loans (2%), other (29%)
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
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