Major Rating Factors:
Excellent current capitalization (9.7 on a scale of 0 to 10) based on a risk-based capital ratio of 24.5 and a capital leverage ratio of 10.8. Operating profits as a percentage of assets at 1.7%, coupled with a return on assets of 1.3 has resulted in Good (6.4) profitability.
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.5 on a scale of 0 to 10). A current level of 10.2 percent of nonperforming loans to core capital combined with 11.8 percent from a year earlier contributes to the Fair asset quality (5.0).
Asset Mix:
Securities (43%), home mtgs (14%), cash (13%), comm re (11%), comm loans (7%), consumer loans (3%), 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
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.