C
Ladysmith Federal Savings & Loan Association
Rating Date
April 2025
Risk Based
Capital Ratio
16.22
Leverage
Ratio
8.81
Return On
Assets
0.45%
Total
Assets
89.37M
Capital
6.30M
Total
Deposits
66.09M
Net
Income
386.00K
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Weiss Ratings Ladysmith Federal Savings & Loan Association
Ladysmith, WI 		Click to
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Rating C
Asset Quality Index 4.90
Capitalization Index 6.80
Liquidity Index 2.70
Profitability Index 2.80
Stability Index 3.40
Company Info Ladysmith Federal Savings & Loan Association
Ladysmith, WI 		Click to
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FDIC Number 28983
Phone Number (715) 532-3389
Website www.ladysmithfederal.com
Asset Quality Ladysmith Federal Savings & Loan Association
Ladysmith, WI 		Click to
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1-Year Asset Growth 5.07%
5-Year Asset Growth 11.99%
5-Year Charge-Offs to Average Loans 0.20%
Charge-Offs to Average Loans -0.01%
Non-Performing Assets to Assets 1.33%
Non-Performing Loans to Capital 8.92%
Non-Performing Loans to Loans 1.31%
Balance Sheet Ladysmith Federal Savings & Loan Association
Ladysmith, WI 		Click to
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Total Assets 89.37M
Total Deposits 66.09M
Capital and Reserves Ladysmith Federal Savings & Loan Association
Ladysmith, WI 		Click to
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Capital 6.30M
Leverage Ratio 8.81
Loan Loss Reserves to Loans 0.80%
Risk-Based Capital Ratio 16.22
Liquidity Ladysmith Federal Savings & Loan Association
Ladysmith, WI 		Click to
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Hot Money Ratio 18.97%
Liquidity Ratio 20.15%
Profitability Ladysmith Federal Savings & Loan Association
Ladysmith, WI 		Click to
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5-Year Return on Average Assets 0.56%
Net Income 386.00K
Net Interest Spread 2.94%
Operating Profit to Average Assets 0.50%
Overhead Efficiency Ratio 81.75%
Return on Assets 0.45%
Return on Equity 6.28%