Major 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 (3.7 on a scale of 0 to 10). A current level of 2.6 percent of nonperforming loans to core capital combined with 2.5 percent from a year earlier contributes to the Good asset quality (6.9).
Other Rating Factors:
Operating profits as a percentage of assets at 2.4%, coupled with a return on assets of 2.3 has resulted in Excellent (9.3) profitability. Good current capitalization (6.9 on a scale of 0 to 10) based on a risk-based capital ratio of 14.5 and a capital leverage ratio of 8.9.
Asset Mix:
Securities (16%), home mtgs (13%), cash (10%), comm re (9%), comm loans (8%), home eq lns (1%), consumer loans (0%), other (42%)
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
Chippewa Valley Agency, Ltd.
Investment Rating
--
Address
1508 Lake Shore Dr W
Ashland, WI 54843
Ashland, WI 54843
Phone Number
(866) 282-3501
Year Founded
1917
FDIC Number
Largest Affiliates
No affiliate information available.