The First National Bank of River Falls
Major Rating Factors:
Excellent current capitalization (8.6 on a scale of 0 to 10) based on a risk-based capital ratio of 18.0 and a capital leverage ratio of 10.1. A current level of 1.8 percent of nonperforming loans to core capital combined with 0.2 percent from a year earlier contributes to the Excellent asset quality (8.6).
Other Rating Factors:
Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 1.3 has resulted in Fair (4.4) profitability. 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).
Asset Mix:
Securities (37%), comm re (16%), home mtgs (12%), comm loans (6%), cash (4%), home eq lns (2%), consumer loans (2%), other (21%)
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
First National Bancorp of River Falls, Inc.
Investment Rating
--
Address
104 East Locust Street
River Falls, WI 54022
River Falls, WI 54022
Phone Number
(715) 425-2401
Year Founded
1904
FDIC Number
Website
Largest Affiliates
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