Advantage Community Bank

Advantage Community Bank is headquartered in Dorchester and is the 162^nd largest bank in the state of Wisconsin. It is also the 4,402^nd largest bank in the nation. It was established in 1906 and as of December of 2011, it had grown to 27 employees at 4 locations. Advantage Community Bank has a 5-star health rating.

Data for Q4 2011

Institution Statistics Advantage Community Bank FDIC Certificate # 10375 BankRate Report View Year Established 1906 Employees 27 Primary Regulator FDIC Assets and Liabilities Assets $121.69 million Loans $85.82 million Deposits $100.56 million Equity Capital $12.95 million Loan Loss Allowance $1.49 million Unbacked Noncurrent Loans $264,000 Real Estate Owned $525,000 Historic Data - December 2010 Assets $122.51 million Equity Capital $12.11 million Loan Loss Allowance $1.32 million Unbacked Noncurrent Loans $1.43 million Real Estate Owned $385,000 Profit Margin - Quarterly Net Interest Margin 3.27% Return on Assets 0.68% Return on Equity 6.48% Interest Income $4.89 million

Institution Health Overall Score: 5 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 Advantage Community Bank had $789,000 in non-current loans and owned real-estate with $14.43 million in equity and loan loss allowances on hand to cover it. This gives Advantage Community Bank a Texas Ratio of 5.47% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Advantage Community Bank decreased significantly from 13.51% as of December 31, 2010 to 5.47% as of December 31, 2011, resulting in a positive change of 59.54%.This indicates that the balance sheet and financial strength for Advantage Community Bank has improved significantly in recent periods. Deposit Growth In the past year, Advantage Community Bank has decreased its total deposits by -$2.36 million, resulting in -2.29% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Advantage Community Bank has shown is below average. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Advantage Community Bank has $121.69 million in assets with $14.43 million in equity, resulting in a capitalization level of 11.86%, which is above average.

No reviews have been left for this bank yet. Be the first to review.