Bank of Alma

Bank of Alma is headquartered in Alma and is the 106^th largest bank in the state of Wisconsin. It is also the 3,091^st largest bank in the nation. It was established in 1986 and as of December of 2011, it had grown to 25 employees at 4 locations. Bank of Alma has a 3-star health rating.

Bank of Alma Routing Number: 091803562

Data for Q4 2011

Institution Statistics Bank of Alma FDIC Certificate # 26689 BankRate Report View Year Established 1986 Employees 25 Primary Regulator FDIC Assets and Liabilities Assets $199.51 million Loans $124.39 million Deposits $129.87 million Equity Capital $67.54 million Loan Loss Allowance $3.59 million Unbacked Noncurrent Loans $17.57 million Real Estate Owned $433,000 Historic Data - December 2010 Assets $197.51 million Equity Capital $66.00 million Loan Loss Allowance $3.59 million Unbacked Noncurrent Loans $11.63 million Real Estate Owned $1.23 million Profit Margin - Quarterly Net Interest Margin 4.29% Return on Assets 2.06% Return on Equity 6.07% Interest Income $9.23 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 Bank of Alma had $18 million in non-current loans and owned real-estate with $71.13 million in equity and loan loss allowances on hand to cover it. This gives Bank of Alma a Texas Ratio of 25.31% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Bank of Alma increased slightly from 18.49% as of December 31, 2010 to 25.31% as of December 31, 2011, resulting in a negative change of 36.92%. This indicates that the balance sheet and financial strength for Bank of Alma has declined slightly in recent periods. Deposit Growth In the past year, Bank of Alma has decreased its total deposits by $-375,000, resulting in -0.29% 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 Bank of Alma has shown is 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. Bank of Alma has $199.51 million in assets with $71.13 million in equity, resulting in a capitalization level of 35.65%, which is excellent.

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