Farmers Savings Bank
Major Rating Factors:
Excellent current capitalization (9.0 on a scale of 0 to 10) based on a risk-based capital ratio of 17.4 and a capital leverage ratio of 10.4. A current level of 3.8 percent of nonperforming loans to core capital contributes to the Excellent asset quality (7.6).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.6 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 1.2 has resulted in Fair (4.3) profitability.
Asset Mix:
Securities (35%), comm re (14%), home mtgs (13%), cash (10%), comm loans (7%), consumer loans (2%), home eq lns (1%), other (18%)
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
Southern Wisconsin Bancshares Corporation
Investment Rating
--
Address
305 Doty Street
Mineral Point, WI 53565
Mineral Point, WI 53565
Phone Number
(608) 987-3321
Year Founded
1916
FDIC Number
Website
Largest Affiliates
No affiliate information available.