Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 12.0. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.6 on a scale of 0 to 10).
Other Rating Factors:
A current level of 6.9 percent of nonperforming loans to core capital contributes to the Good asset quality (6.3). Operating profits as a percentage of assets at 1.4%, coupled with a return on assets of 1.3 has resulted in Fair (5.0) profitability.
Asset Mix:
Securities (31%), cash (25%), home mtgs (23%), consumer loans (4%), comm re (4%), comm loans (2%), other (12%)
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
Southwestern Wisconsin Bancshares, Inc.
Investment Rating
--
Address
541 Main Street
Highland, WI 53543
Highland, WI 53543
Phone Number
(608) 929-4515
Year Founded
1903
FDIC Number
Website
Largest Affiliates
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