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). Good current capitalization (6.7 on a scale of 0 to 10) based on a risk-based capital ratio of 13.6 and a capital leverage ratio of 8.7.
Other Rating Factors:
Operating profits as a percentage of assets at 2.2%, coupled with a return on assets of 2.2 has resulted in Excellent (9.2) profitability. A current level of 1.5 percent of nonperforming loans to core capital combined with 2.5 percent from a year earlier contributes to the Excellent asset quality (7.4).
Asset Mix:
Securities (17%), home mtgs (14%), comm loans (9%), comm re (8%), cash (7%), home eq lns (1%), consumer loans (0%), other (44%)
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
15755 County highway B
Hayward, WI 54843
Hayward, WI 54843
Phone Number
(866) 282-3501
Year Founded
1917
FDIC Number
Largest Affiliates
No affiliate information available.