Major Rating Factors:
A current level of 8.9 percent of nonperforming loans to core capital combined with 10.8 percent from a year earlier contributes to the Fair asset quality (4.9). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.4 on a scale of 0 to 10).
Other Rating Factors:
Good current capitalization (6.8 on a scale of 0 to 10) based on a risk-based capital ratio of 16.2 and a capital leverage ratio of 8.8. Operating profits as a percentage of assets at 0.5%, coupled with a return on assets of 0.5 has resulted in Weak (2.8) profitability.
Asset Mix:
Home mtgs (53%), securities (16%), consumer loans (8%), cash (5%), comm loans (4%), comm re (3%), home eq lns (1%), other (9%)
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
119 West Fourth Street, North
Ladysmith, WI 54848
Ladysmith, WI 54848
Phone Number
(715) 532-3389
Year Founded
1934
FDIC Number
Website
Largest Affiliates
No affiliate information available.