Major Rating Factors:
A current level of 7.6 percent of nonperforming loans to core capital combined with 23.9 percent from a year earlier contributes to the Fair asset quality (4.6). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (2.8 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (7.1 on a scale of 0 to 10) based on a risk-based capital ratio of 14.0 and a capital leverage ratio of 9.3. Fair liquidity 3.5, driven by a liquidity ratio of 12.9 percent and a “hot money” ratio of 10.8 percent.
Asset Mix:
Securities (33%), comm re (15%), home mtgs (10%), comm loans (5%), cash (2%), consumer loans (2%), home eq lns (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
No affiliate information available.