First State Bank
Major Rating Factors:
A current level of 0.8 percent of nonperforming loans to core capital combined with 0.6 percent from a year earlier contributes to the Excellent asset quality (8.6). Excellent current capitalization (8.2 on a scale of 0 to 10) and a capital leverage ratio of 9.8.
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.6 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.7%, coupled with a return on assets of 0.7 has resulted in Fair (3.3) profitability.
Asset Mix:
Comm re (27%), securities (22%), home mtgs (13%), comm loans (4%), cash (3%), home eq lns (1%), consumer loans (1%), other (29%)
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
First State Bancshares, Inc.
Investment Rating
--
Address
220 West Waupaca Street
New London, WI 54961
New London, WI 54961
Phone Number
(920) 982-3300
Year Founded
1911
FDIC Number
Website
Largest Affiliates
No affiliate information available.