Major Rating Factors:
Excellent current capitalization (7.3 on a scale of 0 to 10) and a capital leverage ratio of 9.2. A current level of 1.8 percent of nonperforming loans to core capital combined with 7.1 percent from a year earlier contributes to the Good asset quality (6.9).
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 (5.4 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.0%, coupled with a return on assets of 0.8 has resulted in Fair (4.1) profitability.
Asset Mix:
Securities (24%), home mtgs (23%), comm re (21%), comm loans (8%), home eq lns (4%), cash (3%), consumer loans (2%), other (16%)
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
No affiliate information available.