Bluff View Bank
Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 21.0 and a capital leverage ratio of 14.9. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (9.0 on a scale of 0 to 10).
Other Rating Factors:
A current level of 1.7 percent of nonperforming loans to core capital combined with 2.1 percent from a year earlier contributes to the Excellent asset quality (8.6). Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 1.2 has resulted in Good (5.4) profitability.
Asset Mix:
Securities (27%), home mtgs (15%), comm re (14%), comm loans (7%), consumer loans (2%), cash (2%), home eq lns (2%), other (31%)
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
Gale Bank Holding Company, Inc.
Investment Rating
--
Address
16893 South Main Street
Galesville, WI 54630
Galesville, WI 54630
Phone Number
(608) 582-2233
Year Founded
1883
FDIC Number
Website
Largest Affiliates
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