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 (4.3 on a scale of 0 to 10). A current level of 1.5 percent of nonperforming loans to core capital contributes to the Excellent asset quality (8.5).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 20.4 and a capital leverage ratio of 15.7. Operating profits as a percentage of assets at 2.7%, coupled with a return on assets of 2.1 has resulted in Excellent (9.8) profitability.
Asset Mix:
Comm re (28%), securities (15%), cash (8%), home mtgs (7%), comm loans (6%), consumer loans (1%), other (35%)
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
No affiliate information available.