Major Rating Factors:
Excellent current capitalization (8.4 on a scale of 0 to 10) based on a risk-based capital ratio of 14.3 and a capital leverage ratio of 9.9. A current level of 1.2 percent of nonperforming loans to core capital combined with 2.3 percent from a year earlier contributes to the Excellent asset quality (8.2).
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 (6.3 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 (3.9) profitability.
Asset Mix:
Securities (25%), comm re (15%), home mtgs (11%), comm loans (6%), cash (6%), home eq lns (1%), consumer loans (1%), other (35%)
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
Boscobel Bancorp, Inc.
Investment Rating
--
Address
925 Wisconsin Avenue
Boscobel, WI 53805
Boscobel, WI 53805
Phone Number
(608) 375-4117
Year Founded
1871
FDIC Number
Website
Largest Affiliates
No affiliate information available.