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 (3.7 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.7%, coupled with a return on assets of 1.4 has resulted in Good (6.8) profitability.
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 27.3 and a capital leverage ratio of 21.3. A current level of 0.5 percent of nonperforming loans to core capital combined with 0.1 percent from a year earlier contributes to the Excellent asset quality (7.4).
Asset Mix:
Comm re (23%), home mtgs (18%), securities (10%), cash (9%), comm loans (4%), home eq lns (1%), consumer loans (1%), other (34%)
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
Bosshard Banco, Ltd.
Investment Rating
--
Address
962 Grand Avenue
Schofield, WI 54476
Schofield, WI 54476
Phone Number
(715) 359-4231
Year Founded
1952
FDIC Number
Largest Affiliates
Bangor, WI
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Bank