Major Rating Factors:
A current level of 0.9 percent of nonperforming loans to core capital combined with 1.1 percent from a year earlier contributes to the Excellent asset quality (7.8). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.7 on a scale of 0 to 10).
Other Rating Factors:
Good current capitalization (6.4 on a scale of 0 to 10) based on a risk-based capital ratio of 12.8 and a capital leverage ratio of 8.4. Fair liquidity 4.1, driven by a liquidity ratio of 23.2 percent and a “hot money” ratio of 7.8 percent.
Asset Mix:
Securities (26%), comm re (25%), home mtgs (15%), comm loans (9%), cash (2%), home eq lns (2%), consumer loans (1%), other (20%)
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.