Major Rating Factors:
Excellent current capitalization (8.1 on a scale of 0 to 10) and a capital leverage ratio of 10.0. A current level of 5.2 percent of nonperforming loans to core capital combined with 10.2 percent from a year earlier contributes to the Good asset quality (5.7).
Other Rating Factors:
Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 1.0 has resulted in Fair (4.2) profitability. Fair liquidity 3.4, driven by a liquidity ratio of 15.8 percent and a “hot money” ratio of 8.1 percent.
Asset Mix:
Securities (30%), comm re (16%), home mtgs (9%), cash (5%), comm loans (5%), home eq lns (2%), consumer loans (1%), other (33%)
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
Baldwin Bancshares, Inc.
Investment Rating
--
Address
990 Main Street
Baldwin, WI 54002
Baldwin, WI 54002
Phone Number
(715) 684-3366
Year Founded
1883
FDIC Number
Website
Largest Affiliates
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