Major Rating Factors:
A current level of 12.7 percent of nonperforming loans to core capital combined with 9.5 percent from a year earlier contributes to the Fair asset quality (4.6). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.2 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (7.2 on a scale of 0 to 10) based on a risk-based capital ratio of 17.0 and a capital leverage ratio of 9.1. Operating profits as a percentage of assets at 0.6%, coupled with a return on assets of 0.6 has resulted in Weak (3.0) profitability.
Asset Mix:
Home mtgs (56%), securities (15%), consumer loans (7%), cash (5%), comm loans (5%), comm re (3%), home eq lns (1%), other (8%)
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.