Bank of Monticello (WI)

Bank of Monticello (WI) is headquartered in Monticello and is the 214^st largest bank in the state of Wisconsin. It is also the 5,582^nd largest bank in the nation. It was established in 1896 and as of December of 2011, it had grown to 21 employees at 4 locations. Bank of Monticello (WI)'s savings rates are 12% higher than the national average, and it has a 4-star health rating.

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Data for Q4 2011

Institution Statistics Bank of Monticello FDIC Certificate # 11609 BankRate Report View Year Established 1896 Employees 21 Primary Regulator FDIC Assets and Liabilities Assets $76.61 million Loans $49.03 million Deposits $66.54 million Equity Capital $8.44 million Loan Loss Allowance $944,000 Unbacked Noncurrent Loans $1.73 million Real Estate Owned $1.28 million Historic Data - December 2010 Assets $74.31 million Equity Capital $7.94 million Loan Loss Allowance $906,000 Unbacked Noncurrent Loans $3.65 million Real Estate Owned $1.66 million Profit Margin - Quarterly Net Interest Margin 3.81% Return on Assets 0.53% Return on Equity 4.84% Interest Income $3.27 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 Monticello (WI) had $3.01 million in non-current loans and owned real-estate with $9.38 million in equity and loan loss allowances on hand to cover it. This gives Bank of Monticello (WI) a Texas Ratio of 32.04% 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 Monticello (WI) decreased significantly from 59.98% as of December 31, 2010 to 32.04% as of December 31, 2011, resulting in a positive change of 46.58%.This indicates that the balance sheet and financial strength for Bank of Monticello (WI) has improved significantly in recent periods. Deposit Growth In the past year, Bank of Monticello (WI) has increased its total deposits by $1.84 million, resulting in 2.84% 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 Monticello (WI) has shown is above 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 Monticello (WI) has $76.61 million in assets with $9.38 million in equity, resulting in a capitalization level of 12.25%, which is excellent.

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