Bank of Lake Mills

Bank of Lake Mills is headquartered in Lake Mills and is the 115^st largest bank in the state of Wisconsin. It is also the 3,286^th largest bank in the nation. It was established in 1893 and as of December of 2011, it had grown to 44 employees at 2 locations. Bank of Lake Mills' savings rates are 94% higher than the national average, and it has a 3-star health rating.

Bank of Lake Mills Routing Number: 075903174

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Bank of Lake Mills CD Rates

Data for Q4 2011

Institution Statistics Bank of Lake Mills FDIC Certificate # 8695 BankRate Report View Year Established 1893 Employees 44 Primary Regulator FDIC Assets and Liabilities Assets $185.61 million Loans $124.18 million Deposits $159.50 million Equity Capital $17.05 million Loan Loss Allowance $2.40 million Unbacked Noncurrent Loans $4.18 million Real Estate Owned $2.72 million Historic Data - December 2010 Assets $198.90 million Equity Capital $15.96 million Loan Loss Allowance $2.46 million Unbacked Noncurrent Loans $8.20 million Real Estate Owned $2.82 million Profit Margin - Quarterly Net Interest Margin 3.87% Return on Assets 0.01% Return on Equity 0.11% Interest Income $8.40 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 Lake Mills had $6.9 million in non-current loans and owned real-estate with $19.45 million in equity and loan loss allowances on hand to cover it. This gives Bank of Lake Mills a Texas Ratio of 35.48% 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 Bank of Lake Mills decreased significantly from 59.85% as of December 31, 2010 to 35.48% as of December 31, 2011, resulting in a positive change of 40.72%.This indicates that the balance sheet and financial strength for Bank of Lake Mills has improved significantly in recent periods. Deposit Growth In the past year, Bank of Lake Mills has decreased its total deposits by -$10.92 million, resulting in -6.41% 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 Lake Mills has shown is poor. 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 Lake Mills has $185.61 million in assets with $19.45 million in equity, resulting in a capitalization level of 10.48%, which is above average.

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