Major Rating Factors:
Excellent current capitalization (8.0 on a scale of 0 to 10) based on a risk-based capital ratio of 13.2 and a capital leverage ratio of 9.7. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.4 on a scale of 0 to 10).
Other Rating Factors:
Operating profits as a percentage of assets at 1.6%, coupled with a return on assets of 1.6 has resulted in Good (6.0) profitability. A current level of 9.8 percent of nonperforming loans to core capital combined with 8.6 percent from a year earlier contributes to the Fair asset quality (4.9).
Asset Mix:
Securities (21%), comm re (18%), comm loans (13%), home mtgs (10%), cash (2%), home eq lns (1%), consumer loans (0%), other (34%)
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
Security Federal Corporation
Investment Rating
--
Address
212 West Prospect Street
Durand, WI 54736
Durand, WI 54736
Phone Number
(715) 672-4237
Year Founded
1934
FDIC Number
Website
Largest Affiliates
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