Major Rating Factors:
Excellent current capitalization (8.1 on a scale of 0 to 10) based on a risk-based capital ratio of 13.5 and a capital leverage ratio of 9.7. Operating profits as a percentage of assets at 2.0%, coupled with a return on assets of 1.5 has resulted in Excellent (7.7) profitability.
Other Rating Factors:
A current level of 4.2 percent of nonperforming loans to core capital combined with 1.7 percent from a year earlier contributes to the Good asset quality (7.0). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.7 on a scale of 0 to 10).
Asset Mix:
Home mtgs (28%), comm re (21%), comm loans (19%), securities (10%), cash (7%), home eq lns (2%), consumer loans (0%), 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
Lubar & Co., Inc.
Investment Rating
--
Address
W1046 Marietta Avenue
Ixonia, WI 53036
Ixonia, WI 53036
Phone Number
(920) 262-6959
Year Founded
1918
FDIC Number
Website
Largest Affiliates
No affiliate information available.