Bank of Prairie Du Sac

Major Rating Factors: Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 21.5 and a capital leverage ratio of 14.9. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (10.0 on a scale of 0 to 10).

Other Rating Factors: A current level of 0.4 percent of nonperforming loans to core capital contributes to the Excellent asset quality (8.8). Operating profits as a percentage of assets at 1.6%, coupled with a return on assets of 1.1 has resulted in Fair (4.2) profitability.

Asset Mix: Securities (32%), comm re (23%), cash (9%), comm loans (8%), home mtgs (8%), home eq lns (1%), consumer loans (0%), other (18%)

States with Branches: WI

Asset Quality

Non-Performing Loans to Capital

0.42%

Non-Performing Assets to Assets

0.07%

Non-Performing Loans to Loans

0.12%

Loan Loss Reserves to Loans

1.58%

Charge-Offs to Average Loans

0.03%

5-Year Charge-Offs to Average Loans

0.02%

5-Year Asset Growth

6.50%

1-Year Asset Growth

1.60%

Profitability

Operating Profit to Average Assets

1.58%

Return on Equity

9.48%

Net Interest Spread

2.98%

5-Year ROAA (Return on Average Assets)

1.67%

Overhead Efficiency Ratio

47.20%

Liquidity

Liquidity Ratio

46.42%

Hot Money

16.38%

Corporate Info

Group Affiliation

Ploetz Investments Limited Partnership

Investment Rating

Address

555 Park Avenue
Prairie Du Sac, WI 53578

Phone Number

(608) 643-3393

Year Founded

1916

FDIC Number

14660

Website

http://www.bankpds.com

Largest Affiliates

No affiliate information available.