First National Community Bank
Major Rating Factors:
Operating profits as a percentage of assets at 0.9%, coupled with a return on assets of 0.9 has resulted in Fair (3.7) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.4 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (7.5 on a scale of 0 to 10) based on a risk-based capital ratio of 15.0 and a capital leverage ratio of 9.3. A current level of 2.6 percent of nonperforming loans to core capital combined with 12.6 percent from a year earlier contributes to the Good asset quality (6.0).
Asset Mix:
Comm re (29%), securities (20%), home mtgs (16%), comm loans (7%), cash (6%), home eq lns (5%), consumer loans (2%), other (15%)
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
One Corporation
Investment Rating
--
Address
109 East Second Street
New Richmond, WI 54017
New Richmond, WI 54017
Phone Number
(715) 246-6901
Year Founded
1878
FDIC Number
Website
Largest Affiliates
No affiliate information available.