Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.7 on a scale of 0 to 10). A current level of 5.4 percent of nonperforming loans to core capital combined with 0.5 percent from a year earlier contributes to the Good asset quality (6.8).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 13.7. Operating profits as a percentage of assets at 1.9%, coupled with a return on assets of 1.9 has resulted in Excellent (7.3) profitability.
Asset Mix:
Home mtgs (35%), comm re (14%), cash (6%), home eq lns (5%), comm loans (4%), securities (2%), consumer loans (2%), other (31%)
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
BSB Community Bancorporation Inc
Investment Rating
--
Address
42 West Main Street
Benton, WI 53803
Benton, WI 53803
Phone Number
(608) 759-3600
Year Founded
1894
FDIC Number
Website
Largest Affiliates
No affiliate information available.