Bank of Deerfield

Bank of Deerfield is headquartered in Deerfield and is the 189^th largest bank in the state of Wisconsin. It is also the 5,120^th largest bank in the nation. It was established in 1887 and as of December of 2011, it had grown to 26 employees at 2 locations. Bank of Deerfield has a 4-star health rating.

Bank of Deerfield Routing Number: 075905004

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Data for Q4 2011

Institution Statistics Bank of Deerfield FDIC Certificate # 2477 BankRate Report View Year Established 1887 Employees 26 Primary Regulator FDIC Assets and Liabilities Assets $93.46 million Loans $85.60 million Deposits $78.45 million Equity Capital $13.51 million Loan Loss Allowance $1.99 million Unbacked Noncurrent Loans $1.76 million Real Estate Owned $1.37 million Historic Data - December 2010 Assets $91.45 million Equity Capital $11.83 million Loan Loss Allowance $1.91 million Unbacked Noncurrent Loans $2.15 million Real Estate Owned $323,000 Profit Margin - Quarterly Net Interest Margin 4.97% Return on Assets 1.86% Return on Equity 13.44% Interest Income $5.14 million

Institution Health Overall Score: 4 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 Deerfield had $3.12 million in non-current loans and owned real-estate with $15.5 million in equity and loan loss allowances on hand to cover it. This gives Bank of Deerfield a Texas Ratio of 20.15% 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 Deerfield held steady from 18.00% as of December 31, 2010 to 20.15% as of December 31, 2011, resulting in a negative change of 11.93%. This indicates that the balance sheet and financial strength for Bank of Deerfield has held steady in recent periods. Deposit Growth In the past year, Bank of Deerfield has decreased its total deposits by $-461,000, resulting in -0.58% 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 Deerfield 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 Deerfield has $93.46 million in assets with $15.5 million in equity, resulting in a capitalization level of 16.58%, which is excellent.

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