Major Rating Factors:
Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 1.1 has resulted in Fair (4.5) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.3 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 17.0 and a capital leverage ratio of 12.4. A current level of 0.5 percent of nonperforming loans to core capital combined with 2.7 percent from a year earlier contributes to the Excellent asset quality (7.3).
Asset Mix:
Comm re (28%), securities (16%), comm loans (10%), home mtgs (10%), cash (4%), home eq lns (2%), consumer loans (1%), other (29%)
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
Capitol Bankshares, Inc.
Investment Rating
--
Address
710 North High Point Road
Madison, WI 53717
Madison, WI 53717
Phone Number
(608) 836-1616
Year Founded
1995
FDIC Number
Website
Largest Affiliates
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