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 (4.1 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.5%, coupled with a return on assets of 0.4 has resulted in Weak (1.3) profitability.
Other Rating Factors:
Excellent current capitalization (9.3 on a scale of 0 to 10) and a capital leverage ratio of 10.6. A current level of 0.4 percent of nonperforming loans to core capital contributes to the Excellent asset quality (8.9).
Asset Mix:
Securities (30%), comm re (20%), home mtgs (15%), home eq lns (8%), comm loans (4%), cash (3%), consumer loans (1%), other (19%)
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
Rosholt Bancorporation, Inc.
Investment Rating
--
Address
275 West Grand Avenue
Rosholt, WI 54473
Rosholt, WI 54473
Phone Number
(715) 677-4523
Year Founded
1904
FDIC Number
Website
Largest Affiliates
No affiliate information available.