Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (8.4 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.9%, coupled with a return on assets of 1.8 has resulted in Excellent (7.5) profitability.
Other Rating Factors:
Good current capitalization (6.6 on a scale of 0 to 10) based on a risk-based capital ratio of 11.5 and a capital leverage ratio of 8.6. A current level of 6.8 percent of nonperforming loans to core capital combined with 4.4 percent from a year earlier contributes to the Good asset quality (5.7).
Asset Mix:
Comm re (24%), home mtgs (15%), securities (15%), comm loans (13%), cash (7%), home eq lns (2%), consumer loans (2%), other (23%)
States with Branches:
MN, 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
NATCOM Bancshares,Inc.
Investment Rating
--
Address
1127 Tower Avenue
Superior, WI 54880
Superior, WI 54880
Phone Number
(715) 394-5531
Year Founded
1934
FDIC Number
Website
Largest Affiliates
No affiliate information available.