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 (5.0 on a scale of 0 to 10). A current level of 1.4 percent of nonperforming loans to core capital combined with 0.9 percent from a year earlier contributes to the Excellent asset quality (7.6).
Other Rating Factors:
Operating profits as a percentage of assets at 2.2%, coupled with a return on assets of 1.7 has resulted in Excellent (9.2) profitability. Excellent current capitalization (8.5 on a scale of 0 to 10) and a capital leverage ratio of 10.0.
Asset Mix:
Comm re (28%), securities (15%), home mtgs (12%), cash (6%), comm loans (4%), home eq lns (1%), consumer loans (1%), 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
Jewel Box Financial Services, Inc.
Investment Rating
--
Address
159 West James Street
Columbus, WI 53925
Columbus, WI 53925
Phone Number
(920) 623-4000
Year Founded
1861
FDIC Number
Website
Largest Affiliates
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