Major Rating Factors:
Excellent current capitalization (8.0 on a scale of 0 to 10) and a capital leverage ratio of 9.6. A current level of 6.9 percent of nonperforming loans to core capital combined with 14.6 percent from a year earlier contributes to the Good asset quality (5.6).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.9 on a scale of 0 to 10). Fair liquidity 3.8, driven by a liquidity ratio of 37.9 percent and a “hot money” ratio of 19.6 percent.
Asset Mix:
Securities (34%), home mtgs (30%), cash (6%), comm loans (6%), comm re (5%), consumer loans (4%), home eq lns (3%), other (12%)
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
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