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). A current level of 11.0 percent of nonperforming loans to core capital combined with 8.4 percent from a year earlier contributes to the Fair asset quality (3.4).
Other Rating Factors:
Excellent current capitalization (7.2 on a scale of 0 to 10) based on a risk-based capital ratio of 13.1 and a capital leverage ratio of 9.2. Operating profits as a percentage of assets at 1.6%, coupled with a return on assets of 1.4 has resulted in Good (5.7) profitability.
Asset Mix:
Comm re (22%), home mtgs (17%), comm loans (16%), securities (15%), cash (4%), consumer loans (1%), other (25%)
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
Kujawa Family Holdings, Inc.
Investment Rating
--
Address
123 West Huron Street
Berlin, WI 54923
Berlin, WI 54923
Phone Number
(920) 361-1454
Year Founded
1940
FDIC Number
Website
Largest Affiliates
No affiliate information available.