Major Rating Factors:
Operating profits as a percentage of assets at 0.0%, coupled with a return on assets of 0.1 has resulted in Weak (2.0) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.3 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 30.9 and a capital leverage ratio of 14.3. A current level of 4.6 percent of nonperforming loans to core capital combined with 3.7 percent from a year earlier contributes to the Excellent asset quality (7.9).
Asset Mix:
Securities (50%), home mtgs (20%), cash (9%), comm loans (4%), comm re (3%), consumer loans (2%), other (13%)
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
Golden Oak Bancshares, Inc.
Investment Rating
--
Address
1200 Main Street
Holmen, WI 54636
Holmen, WI 54636
Phone Number
(608) 526-2265
Year Founded
1909
FDIC Number
Website
Largest Affiliates
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