Major Rating Factors:
Excellent current capitalization (8.7 on a scale of 0 to 10) and a capital leverage ratio of 10.1. A current level of 0.9 percent of nonperforming loans to core capital combined with 5.6 percent from a year earlier contributes to the Good asset quality (6.8).
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 (6.4 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.0%, coupled with a return on assets of 0.8 has resulted in Fair (4.0) profitability.
Asset Mix:
Comm re (25%), securities (22%), home mtgs (19%), cash (11%), comm loans (5%), home eq lns (2%), consumer loans (1%), other (15%)
States with Branches:
MN, 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
WNB Holding Company
Investment Rating
--
Address
204 Main Street
Winona, MN 55987
Winona, MN 55987
Phone Number
(507) 454-8800
Year Founded
1874
FDIC Number
Website
Largest Affiliates
No affiliate information available.