Major Rating Factors:
Operating profits as a percentage of assets at 0.7%, coupled with a return on assets of 0.7 has resulted in Fair (4.4) profitability. 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).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 11.9. A current level of 2.2 percent of nonperforming loans to core capital combined with 5.3 percent from a year earlier contributes to the Excellent asset quality (8.2).
Asset Mix:
Comm re (27%), home mtgs (13%), securities (12%), comm loans (5%), cash (5%), home eq lns (1%), consumer loans (0%), other (37%)
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.