Major Rating Factors:
Operating profits as a percentage of assets at 2.3%, coupled with a return on assets of 2.3 has resulted in Excellent (7.9) profitability. Excellent current capitalization (7.0 on a scale of 0 to 10) and a capital leverage ratio of 9.0.
Other Rating Factors:
A current level of 4.5 percent of nonperforming loans to core capital combined with 3.1 percent from a year earlier contributes to the Good asset quality (6.2). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (5.0 on a scale of 0 to 10).
Asset Mix:
Securities (20%), home mtgs (19%), comm re (17%), comm loans (4%), cash (3%), consumer loans (2%), home eq lns (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
Gebsco, Inc.
Investment Rating
--
Address
245 South Eau Claire Street
Mondovi, WI 54755
Mondovi, WI 54755
Phone Number
(715) 926-4234
Year Founded
1900
FDIC Number
Website
Largest Affiliates
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