Major Rating Factors:
Operating profits as a percentage of assets at 0.8%, coupled with a return on assets of 0.7 has resulted in Fair (3.7) profitability. A current level of 17.9 percent of nonperforming loans to core capital combined with 12.3 percent from a year earlier contributes to the Fair asset quality (3.5).
Other Rating Factors:
Excellent current capitalization (8.9 on a scale of 0 to 10) and a capital leverage ratio of 10.3. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.2 on a scale of 0 to 10).
Asset Mix:
Home mtgs (36%), comm re (15%), securities (13%), home eq lns (8%), comm loans (4%), cash (2%), consumer loans (1%), other (20%)
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
Investment Rating
--
Address
119 North Depot Street
Waldo, WI 53093
Waldo, WI 53093
Phone Number
(920) 528-8385
Year Founded
1913
FDIC Number
Website
Largest Affiliates
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