Bank of Luxemburg

Bank of Luxemburg is headquartered in Luxemburg and is the 82^nd largest bank in the state of Wisconsin. It is also the 2,516^st largest bank in the nation. It was established in 1903 and as of December of 2011, it had grown to 77 employees at 8 locations. Bank of Luxemburg has a 5-star health rating.

Bank of Luxemburg Routing Number: 075905910

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Data for Q4 2011

Institution Statistics Bank of Luxemburg FDIC Certificate # 13264 BankRate Report View Year Established 1903 Employees 77 Primary Regulator FDIC Assets and Liabilities Assets $253.78 million Loans $169.05 million Deposits $224.65 million Equity Capital $25.03 million Loan Loss Allowance $2.50 million Unbacked Noncurrent Loans $398,000 Real Estate Owned $852,000 Historic Data - December 2010 Assets $233.29 million Equity Capital $22.57 million Loan Loss Allowance $2.48 million Unbacked Noncurrent Loans $794,000 Real Estate Owned $1.24 million Profit Margin - Quarterly Net Interest Margin 4.45% Return on Assets 0.88% Return on Equity 8.76% Interest Income $11.50 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 Bank of Luxemburg had $1.25 million in non-current loans and owned real-estate with $27.54 million in equity and loan loss allowances on hand to cover it. This gives Bank of Luxemburg a Texas Ratio of 4.54% 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 Bank of Luxemburg decreased significantly from 12.31% as of December 31, 2010 to 4.54% as of December 31, 2011, resulting in a positive change of 63.12%.This indicates that the balance sheet and financial strength for Bank of Luxemburg has improved significantly in recent periods. Deposit Growth In the past year, Bank of Luxemburg has increased its total deposits by $19.12 million, resulting in 9.3% 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 Luxemburg has shown is excellent. 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 Luxemburg has $253.78 million in assets with $27.54 million in equity, resulting in a capitalization level of 10.85%, which is above average.

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