Major Rating Factors:
Operating profits as a percentage of assets at 1.4%, coupled with a return on assets of 1.2 has resulted in Fair (4.6) profitability. A current level of 16.7 percent of nonperforming loans to core capital combined with 13.2 percent from a year earlier contributes to the Weak asset quality (2.6).
Other Rating Factors:
Excellent current capitalization (8.5 on a scale of 0 to 10) based on a risk-based capital ratio of 14.0 and a capital leverage ratio of 10.0. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.0 on a scale of 0 to 10).
Asset Mix:
Comm re (23%), securities (17%), home mtgs (17%), comm loans (15%), cash (2%), home eq lns (1%), consumer loans (1%), other (24%)
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
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