Major Rating Factors:
Excellent current capitalization (8.5 on a scale of 0 to 10) based on a risk-based capital ratio of 22.8 and a capital leverage ratio of 10.0. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.2 on a scale of 0 to 10).
Other Rating Factors:
Good liquidity 5.1, driven by a liquidity ratio of 50.2 percent and a “hot money” ratio of 7.7 percent. A current level of 11.5 percent of nonperforming loans to core capital combined with 1.5 percent from a year earlier contributes to the Fair asset quality (4.8).
Asset Mix:
Securities (40%), cash (18%), home mtgs (13%), comm re (11%), comm loans (7%), consumer loans (3%), 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
Bay Bancorporation, Inc.
Investment Rating
--
Address
2555 Packerland Drive
Green Bay, WI 54313
Green Bay, WI 54313
Phone Number
(920) 490-7600
Year Founded
1995
FDIC Number
Website
Largest Affiliates
No affiliate information available.