Major Rating Factors:
Operating profits as a percentage of assets at 0.9%, coupled with a return on assets of 0.8 has resulted in Fair (3.6) profitability. 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).
Other Rating Factors:
A current level of 1.4 percent of nonperforming loans to core capital combined with 3.3 percent from a year earlier contributes to the Excellent asset quality (8.1). Excellent current capitalization (8.0 on a scale of 0 to 10) based on a risk-based capital ratio of 12.2 and a capital leverage ratio of 9.6.
Asset Mix:
Comm re (29%), securities (17%), home mtgs (15%), comm loans (10%), consumer loans (2%), cash (2%), home eq lns (2%), other (22%)
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
Luxemburg Bancshares, Inc.
Investment Rating
--
Address
630 Main Street
Luxemburg, WI 54217
Luxemburg, WI 54217
Phone Number
(920) 845-2345
Year Founded
1903
FDIC Number
Website
Largest Affiliates
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