Major Rating Factors:
Operating profits as a percentage of assets at 1.0%, coupled with a return on assets of 0.8 has resulted in Fair (3.8) profitability. A current level of 9.8 percent of nonperforming loans to core capital combined with 7.0 percent from a year earlier contributes to the Good asset quality (5.2).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 15.1 and a capital leverage ratio of 12.7. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (8.1 on a scale of 0 to 10).
Asset Mix:
Comm re (18%), securities (13%), home mtgs (7%), cash (3%), comm loans (2%), consumer loans (1%), other (56%)
States with Branches:
IA, IN, OH, 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
Bankers' Bancorporation, Inc.
Investment Rating
--
Address
7700 Mineral Point Road
Madison, WI 53717
Madison, WI 53717
Phone Number
(608) 833-5550
Year Founded
1981
FDIC Number
Website
Largest Affiliates
No affiliate information available.