Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 15.1 and a capital leverage ratio of 11.1. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (8.3 on a scale of 0 to 10).
Other Rating Factors:
A current level of 1.5 percent of nonperforming loans to core capital combined with 1.4 percent from a year earlier contributes to the Excellent asset quality (7.2). Operating profits as a percentage of assets at 0.7%, coupled with a return on assets of 0.7 has resulted in Weak (2.8) profitability.
Asset Mix:
Comm re (24%), cash (10%), home mtgs (9%), securities (7%), comm loans (1%), other (49%)
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
River Holding Company
Investment Rating
--
Address
4401 Mormon Coulee Road
La Crosse, WI 54601
La Crosse, WI 54601
Phone Number
(608) 788-6300
Year Founded
1911
FDIC Number
Website
Largest Affiliates
No affiliate information available.