River Falls State Bank
Major Rating Factors:
Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 1.1 has resulted in Fair (4.5) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.3 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 11.4. A current level of 1.2 percent of nonperforming loans to core capital combined with 0.7 percent from a year earlier contributes to the Excellent asset quality (8.9).
Asset Mix:
Home mtgs (38%), securities (14%), comm re (7%), cash (6%), home eq lns (4%), comm loans (3%), consumer loans (3%), 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
River Falls Bancshares, Inc.
Investment Rating
--
Address
124 South Second Street
River Falls, WI 54022
River Falls, WI 54022
Phone Number
(715) 425-6782
Year Founded
1949
FDIC Number
Largest Affiliates
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