Black River Country Bank
Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (5.0 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 1.3 has resulted in Good (5.2) profitability.
Other Rating Factors:
A current level of 2.2 percent of nonperforming loans to core capital combined with 4.0 percent from a year earlier contributes to the Excellent asset quality (7.3). Good current capitalization (6.9 on a scale of 0 to 10) based on a risk-based capital ratio of 13.5 and a capital leverage ratio of 8.9.
Asset Mix:
Home mtgs (30%), securities (16%), comm re (11%), comm loans (4%), consumer loans (4%), cash (3%), home eq lns (1%), 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
BRAD, Inc.
Investment Rating
--
Address
221 Main Street
Black River Falls, WI 54615
Black River Falls, WI 54615
Phone Number
(715) 284-9448
Year Founded
1907
FDIC Number
Website
Largest Affiliates
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