Major Rating Factors:
A current level of 0.4 percent of nonperforming loans to core capital combined with 0.6 percent from a year earlier contributes to the Excellent asset quality (8.9). Excellent current capitalization (8.4 on a scale of 0 to 10) and a capital leverage ratio of 10.0.
Other Rating Factors:
Operating profits as a percentage of assets at 1.5%, coupled with a return on assets of 1.5 has resulted in Good (6.0) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.7 on a scale of 0 to 10).
Asset Mix:
Home mtgs (26%), securities (21%), comm re (14%), comm loans (3%), cash (2%), home eq lns (2%), consumer loans (1%), other (31%)
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 Community Bancshares Corp.
Investment Rating
--
Address
202 Merchant Row
Milton, WI 53563
Milton, WI 53563
Phone Number
(608) 868-7644
Year Founded
1911
FDIC Number
Website
Largest Affiliates
Anamosa, IA
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Bank