Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.0 on a scale of 0 to 10). Good current capitalization (6.3 on a scale of 0 to 10) based on a risk-based capital ratio of 11.4 and a capital leverage ratio of 8.3.
Other Rating Factors:
Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 1.1 has resulted in Fair (4.9) profitability. A current level of 10.0 percent of nonperforming loans to core capital combined with 10.4 percent from a year earlier contributes to the Fair asset quality (4.6).
Asset Mix:
Comm loans (28%), comm re (23%), securities (16%), home mtgs (10%), consumer loans (7%), cash (2%), home eq lns (2%), other (13%)
States with Branches:
FL, MI, 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 Valley Bancorporation, Inc.
Investment Rating
--
Address
327 North 17th Avenue
Wausau, WI 54401
Wausau, WI 54401
Phone Number
(715) 845-5522
Year Founded
1967
FDIC Number
Website
Largest Affiliates
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