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Overview / Commentary
715-532-3389
119 West 4th Street North
Ladysmith, WI 54848

Ladysmith Federal Savings and Loan Association is headquartered in Ladysmith and is the 212th largest bank in the state of Wisconsin. It is also the 5,400th largest bank in the nation. It was established in 1934 and as of December of 2016, it had grown to 12 employees at 1 location. Ladysmith Federal Savings and Loan Association has a C+ health rating.

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Health
C+
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 low asset base.

Health Grade Components

Overall
FDIC Certificate #28983
Year Established1934
Employees12
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD0.02%
Return on Equity - YTD0.18%
Annual Interest Income$1.8MM
Assets and Liabilities
AssetsQ4 2016vs Q4 2015$47.6MM$45.1MM
LoansQ4 2016vs Q4 2015$32.2MM$29.1MM
DepositsQ4 2016vs Q4 2015$42.2MM$39.2MM
Equity CapitalQ4 2016vs Q4 2015$5.1MM$5.2MM
Loan Loss AllowanceQ4 2016vs Q4 2015$393.00K$254.00K
Unbacked Noncurrent LoansQ4 2016vs Q4 2015$911.00K$1.1MM
Real Estate OwnedQ4 2016vs Q4 2015$787.00K$533.00K
Rates

Rates for Ladysmith Federal Savings and Loan Association are currently being reviewed.

Locations


Ladysmith Federal Savings and Loan Association Locations
Ladysmith Federal Savings and Loan Association119 West 4th Street NorthLadysmith, WI 54848