Major Rating Factors:
A current level of 7.9 percent of nonperforming loans to core capital combined with 5.5 percent from a year earlier contributes to the Fair asset quality (3.0).
Other Rating Factors:
Excellent current capitalization (8.0 on a scale of 0 to 10) based on a risk-based capital ratio of 14.9 and a capital leverage ratio of 9.7. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.3 on a scale of 0 to 10).
Asset Mix:
Home mtgs (26%), securities (22%), comm re (16%), comm loans (5%), consumer loans (4%), home eq lns (4%), cash (3%), other (20%)
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
Multi-Bank Services, Ltd.
Investment Rating
--
Address
541 Central Avenue
Florence, WI 54121
Florence, WI 54121
Phone Number
(715) 528-4844
Year Founded
1891
FDIC Number
Website
Largest Affiliates
No affiliate information available.