Major Rating Factors:
A current level of 9.0 percent of nonperforming loans to core capital combined with 10.9 percent from a year earlier contributes to the Fair asset quality (4.6). Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 0.9 has resulted in Fair (4.6) profitability.
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.7 on a scale of 0 to 10). Good current capitalization (6.0 on a scale of 0 to 10) based on a risk-based capital ratio of 11.6 and a capital leverage ratio of 8.0.
Asset Mix:
Comm loans (28%), comm re (24%), securities (18%), home mtgs (10%), consumer loans (5%), cash (2%), home eq lns (1%), 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
No affiliate information available.