Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.3 on a scale of 0 to 10). A current level of 2.5 percent of nonperforming loans to core capital combined with 0.1 percent from a year earlier contributes to the Excellent asset quality (8.1).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 29.7. Operating profits as a percentage of assets at 4.2%, coupled with a return on assets of 3.2 has resulted in Excellent (10.0) profitability.
Asset Mix:
Comm re (25%), home mtgs (19%), securities (8%), cash (7%), comm loans (4%), home eq lns (1%), consumer loans (1%), other (36%)
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
Bosshard Financial Group, Inc.
Investment Rating
--
Address
1798 Commercial Street
Bangor, WI 54614
Bangor, WI 54614
Phone Number
(608) 486-2386
Year Founded
1903
FDIC Number
Website
Largest Affiliates
No affiliate information available.