A
Bank of Alma
Alma, WI
Data as of
June 30, 2021
Risk Based
Capital Ratio
--
Leverage
Ratio
43.55
Return On
Assets
3.65%
Total
Assets
277.32M
Capital
127.28M
Total
Deposits
148.93M
Net
Income
5.29M
Loading...
Major Rating Factors: Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 43.6. Operating profits as a percentage of assets at 4.6%, coupled with a return on assets of 3.7 has resulted in Excellent (10.0) profitability.
Other 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 (9.7 on a scale of 0 to 10). A current level of 1.6 percent of nonperforming loans to core capital combined with 2.4 percent from a year earlier contributes to the Excellent asset quality (8.9).
Asset Mix: Comm re (35%), securities (26%), cash (13%), home mtgs (6%), comm loans (4%), consumer loans (1%), other (16%)
States with Branches: MN, WI
Asset Quality
Non-Performing Loans to Capital
1.61%
Non-Performing Assets to Assets
1.17%
Non-Performing Loans to Loans
1.83%
Loan Loss Reserves to Loans
1.71%
Charge-Offs to Average Loans
-0.01%
5-Year Charge-Offs to Average Loans
0.02%
5-Year Asset Growth
5.37%
1-Year Asset Growth
-6.28%
Profitability
Operating Profit to Average Assets
4.62%
Return on Equity
8.50%
Net Interest Spread
4.69%
5-Year ROAA (Return on Average Assets)
2.55%
Overhead Efficiency Ratio
10.05%
Liquidity
Liquidity Ratio
66.54%
Hot Money
5.66%
Corporate Info
Group Affiliation
Dairyland Bank Holding Corporation
Investment Rating
--
Address
211 South Main Street
Alma, WI 54610
Phone Number
(608) 685-4461
Year Founded
1986
FDIC Number
Largest Affiliates
No affiliate information available.
Weiss Ratings