Badger Bank

Badger Bank is headquartered in Fort Atkinson and is the 172^nd largest bank in the state of Wisconsin. It is also the 4,739^th largest bank in the nation. It was established in 1884 and as of December of 2011, it had grown to 39 employees at 4 locations. Badger Bank has a 3-star health rating.

Badger Bank Routing Number: 075902188

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Data for Q4 2011

Institution Statistics Badger Bank FDIC Certificate # 2469 BankRate Report View Year Established 1884 Employees 39 Primary Regulator FDIC Assets and Liabilities Assets $108.15 million Loans $54.07 million Deposits $96.00 million Equity Capital $11.70 million Loan Loss Allowance $843,000 Unbacked Noncurrent Loans $507,000 Real Estate Owned $4.18 million Historic Data - December 2010 Assets $109.29 million Equity Capital $11.15 million Loan Loss Allowance $1.11 million Unbacked Noncurrent Loans $4.03 million Real Estate Owned $2.99 million Profit Margin - Quarterly Net Interest Margin 3.91% Return on Assets 0.25% Return on Equity 2.43% Interest Income $4.14 million

Institution Health Overall Score: 3 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 Badger Bank had $4.69 million in non-current loans and owned real-estate with $12.54 million in equity and loan loss allowances on hand to cover it. This gives Badger Bank a Texas Ratio of 37.36% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Badger Bank decreased slightly from 57.29% as of December 31, 2010 to 37.36% as of December 31, 2011, resulting in a positive change of 34.78%.This indicates that the balance sheet and financial strength for Badger Bank has improved slightly in recent periods. Deposit Growth In the past year, Badger Bank has decreased its total deposits by -$1.64 million, resulting in -1.68% 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 Badger 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. Badger Bank has $108.15 million in assets with $12.54 million in equity, resulting in a capitalization level of 11.60%, which is above average.

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