Major Rating Factors:
Excellent current capitalization (8.1 on a scale of 0 to 10) and a capital leverage ratio of 9.8. A current level of 6.2 percent of nonperforming loans to core capital combined with 17.9 percent from a year earlier contributes to the Good asset quality (5.1).
Other Rating Factors:
Fair liquidity 4.0, driven by a liquidity ratio of 39.2 percent and a “hot money” ratio of 18.3 percent. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.8 on a scale of 0 to 10).
Asset Mix:
Securities (34%), home mtgs (28%), cash (11%), comm loans (6%), comm re (5%), consumer loans (4%), home eq lns (2%), other (11%)
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
Northern Wisconsin Bank Holding Company, Inc.
Investment Rating
--
Address
5308 Beech Street
Laona, WI 54541
Laona, WI 54541
Phone Number
(715) 674-2911
Year Founded
1914
FDIC Number
Website
Largest Affiliates
No affiliate information available.