Major Rating Factors:
Operating profits as a percentage of assets at 0.6%, coupled with a return on assets of 0.5 has resulted in Fair (3.3) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.0 on a scale of 0 to 10).
Other Rating Factors:
A current level of 0.0 percent of nonperforming loans to core capital combined with 1.7 percent from a year earlier contributes to the Excellent asset quality (8.7). Good current capitalization (6.5 on a scale of 0 to 10) based on a risk-based capital ratio of 12.9 and a capital leverage ratio of 8.5.
Asset Mix:
Comm re (22%), home mtgs (20%), securities (18%), comm loans (4%), cash (3%), home eq lns (3%), 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
M.S.B. Bancorporation, Inc.
Investment Rating
--
Address
230 Mavis Road
Marion, WI 54950
Marion, WI 54950
Phone Number
(715) 754-2535
Year Founded
1894
FDIC Number
Website
Largest Affiliates
No affiliate information available.