Major Rating Factors:
A current level of 7.1 percent of nonperforming loans to core capital combined with 7.3 percent from a year earlier contributes to the Fair asset quality (4.6). 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 11.2. Operating profits as a percentage of assets at 2.5%, coupled with a return on assets of 2.5 has resulted in Excellent (9.8) profitability.
Asset Mix:
Comm re (30%), cash (17%), home mtgs (14%), comm loans (7%), home eq lns (1%), consumer loans (0%), other (31%)
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
Clayton Bankshares, Inc.
Investment Rating
--
Address
620 Main Street
La Crosse, WI 54601
La Crosse, WI 54601
Phone Number
(608) 785-2265
Year Founded
1907
FDIC Number
Website
Largest Affiliates
No affiliate information available.