Major Rating Factors:
A current level of 2.2 percent of nonperforming loans to core capital combined with 6.5 percent from a year earlier contributes to the Excellent asset quality (7.8). Excellent current capitalization (7.2 on a scale of 0 to 10) and a capital leverage ratio of 9.2.
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.1 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 1.1 has resulted in Fair (4.9) profitability.
Asset Mix:
Securities (23%), home mtgs (23%), comm re (22%), cash (7%), comm loans (7%), home eq lns (3%), consumer loans (2%), other (14%)
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
Wiscub, Inc.
Investment Rating
--
Address
1250 West Washington Avenue
Cleveland, WI 53015
Cleveland, WI 53015
Phone Number
(920) 693-8256
Year Founded
1907
FDIC Number
Website
Largest Affiliates
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