Headwaters State Bank
Major Rating Factors:
A current level of 10.0 percent of nonperforming loans to core capital combined with 6.5 percent from a year earlier contributes to the Fair asset quality (4.2). Operating profits as a percentage of assets at 1.0%, coupled with a return on assets of 0.8 has resulted in Fair (4.0) profitability.
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 11.2. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.1 on a scale of 0 to 10).
Asset Mix:
Comm re (30%), home mtgs (23%), securities (17%), cash (11%), comm loans (6%), consumer loans (1%), other (11%)
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
Lake Shore III Corporation
Investment Rating
--
Address
4175 County Road B
Land O'Lakes, WI 54540
Land O'Lakes, WI 54540
Phone Number
(715) 547-3383
Year Founded
1921
FDIC Number
Largest Affiliates
Hager City, WI
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Bank