Major Rating Factors:
Operating profits as a percentage of assets at 0.6%, coupled with a return on assets of 0.5 has resulted in Weak (1.4) profitability. A current level of 7.7 percent of nonperforming loans to core capital combined with 3.5 percent from a year earlier contributes to the Good asset quality (5.9).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 17.9. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.8 on a scale of 0 to 10).
Asset Mix:
Home mtgs (61%), comm re (14%), cash (8%), comm loans (5%), consumer loans (2%), securities (2%), home eq lns (2%), other (5%)
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
Investment Rating
--
Address
1130 Tower Avenue
Superior, WI 54880
Superior, WI 54880
Phone Number
(715) 394-7778
Year Founded
1924
FDIC Number
Website
Largest Affiliates
No affiliate information available.