Ladysmith Federal Savings and Loan Association

Overview / Commentary

www.ladysmithfederal.com

715-532-3389

119 West 4th Street North
Ladysmith, WI 54848

Ladysmith Federal Savings and Loan Association is headquartered in Ladysmith and is the 167^th largest bank in the state of Wisconsin. It is also the 4,310^th largest bank in the nation. It was established in 1934 and as of December of 2021, it had grown to 12 employees at 1 location. Ladysmith Federal Savings and Loan Association has a B+ health rating.

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Health

B+

Data as of Q4 2021

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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on equity can represent an instability risk beyond what their financial ratios indicate. Ladysmith Federal Savings and Loan Association has a relatively low asset base.

Health Grade Components

Overall
FDIC Certificate #	28983
Year Established	1934
Employees	12
Primary Regulator	OCC

Profit Margin
Return on Assets - YTD	0.66%
Return on Equity - YTD	7.49%
Annual Interest Income	$2.5MM

Assets and Liabilities
Assets	Q4 2021vs Q4 2020	$74.5MM$73.5MM
Loans	Q4 2021vs Q4 2020	$50.1MM$49.5MM
Deposits	Q4 2021vs Q4 2020	$67.4MM$59.8MM
Equity Capital	Q4 2021vs Q4 2020	$6.8MM$6.6MM
Loan Loss Allowance	Q4 2021vs Q4 2020	$428.00K$430.00K
Unbacked Noncurrent Loans	Q4 2021vs Q4 2020	$127.00K$279.00K
Real Estate Owned	Q4 2021vs Q4 2020	$301.00K$475.00K

Rates

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Money Market
Checking
CD
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Ladysmith Federal Savings and Loan Association Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
1.00%	-	-	Junior Savings Club
0.75%	-	-	Christmas Club
0.15%	$100	-	Smart Savings

Ladysmith Federal Savings and Loan Association Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.30%	$1k	-	Money Market Account

Ladysmith Federal Savings and Loan Association Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.20%	$250	-	Gold Checking
0.20%	$250	-	Red, White & Blue Checking
0.20%	$250	-	Platinum Checking

Ladysmith Federal Savings and Loan Association CD Rates

APY	MIN	MAX	ACCOUNT NAME
1.10%	$1k	-	5 Year CD
0.75%	$1k	-	3 Year CD
0.60%	$1k	-	2 Year CD
0.40%	$1k	-	1 Year CD
0.25%	$1k	-	6 Month CD
0.10%	$1k	-	3 Month CD

Ladysmith Federal Savings and Loan Association IRA Rates

APY	MIN	MAX	ACCOUNT NAME
1.36%	-	-	5 Year IRA
1.00%	-	-	4 Year IRA
0.85%	-	-	2 Year IRA
0.65%	-	-	1 Year IRA
0.50%	-	-	6 Month IRA
0.35%	-	-	3 Month IRA

Locations

Ladysmith Federal Savings and Loan Association Locations
Ladysmith Federal Savings and Loan Association	119 West 4th Street North	Ladysmith, WI 54848

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