Major Rating Factors:
A current level of 1.1 percent of nonperforming loans to core capital combined with 2.7 percent from a year earlier contributes to the Excellent asset quality (8.1). Excellent current capitalization (7.6 on a scale of 0 to 10) based on a risk-based capital ratio of 13.0 and a capital leverage ratio of 9.4.
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 (6.3 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 (4.2) profitability.
Asset Mix:
Securities (22%), comm re (19%), comm loans (14%), home mtgs (9%), cash (2%), home eq lns (1%), consumer loans (1%), other (33%)
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 Financial Services 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
No affiliate information available.