Major Rating Factors:
Excellent current capitalization (8.4 on a scale of 0 to 10) based on a risk-based capital ratio of 19.6 and a capital leverage ratio of 9.9. A current level of 5.0 percent of nonperforming loans to core capital combined with 0.5 percent from a year earlier contributes to the Excellent asset quality (7.6).
Other Rating Factors:
Operating profits as a percentage of assets at 1.8%, coupled with a return on assets of 1.8 has resulted in Excellent (7.4) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.6 on a scale of 0 to 10).
Asset Mix:
Securities (31%), home mtgs (21%), cash (15%), comm re (14%), comm loans (5%), home eq lns (1%), consumer loans (1%), other (12%)
States with Branches:
MN, 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
Bay Area Banking Shares, Inc.
Investment Rating
--
Address
321 Main Street West
Ashland, WI 54806
Ashland, WI 54806
Phone Number
(715) 682-2772
Year Founded
1933
FDIC Number
Website
Largest Affiliates
No affiliate information available.