Major Rating Factors:
A current level of 3.3 percent of nonperforming loans to core capital combined with 1.2 percent from a year earlier contributes to the Excellent asset quality (7.7). Good current capitalization (6.1 on a scale of 0 to 10) based on a risk-based capital ratio of 12.4 and a capital leverage ratio of 8.1.
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 (5.8 on a scale of 0 to 10). Fair liquidity 4.2, driven by a liquidity ratio of 22.9 percent and a “hot money” ratio of 8.3 percent.
Asset Mix:
Securities (25%), comm re (25%), home mtgs (15%), comm loans (8%), cash (6%), home eq lns (1%), consumer loans (1%), other (19%)
States with Branches:
IL, 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
Centre 1 Bancorp, Inc.
Investment Rating
--
Address
345 East Grand Avenue
Beloit, WI 53511
Beloit, WI 53511
Phone Number
(608) 363-8000
Year Founded
1882
FDIC Number
Largest Affiliates
No affiliate information available.