Bank of Oakfield

Bank of Oakfield is headquartered in Oakfield and is the 208^th largest bank in the state of Wisconsin. It is also the 5,469^th largest bank in the nation. It was established in 1901 and as of December of 2011, it had grown to 22 employees at 3 locations. Bank of Oakfield has a 5-star health rating.

Bank of Oakfield Routing Number: 075906304

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Data for Q4 2011

Institution Statistics Bank of Oakfield FDIC Certificate # 9523 BankRate Report View Year Established 1901 Employees 22 Primary Regulator FED Assets and Liabilities Assets $80.29 million Loans $50.98 million Deposits $70.39 million Equity Capital $7.75 million Loan Loss Allowance $588,000 Unbacked Noncurrent Loans $372,000 Real Estate Owned $663,000 Historic Data - December 2010 Assets $74.66 million Equity Capital $6.60 million Loan Loss Allowance $737,000 Unbacked Noncurrent Loans $1.25 million Real Estate Owned $415,000 Profit Margin - Quarterly Net Interest Margin 4.31% Return on Assets 0.69% Return on Equity 7.42% Interest Income $3.78 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 Oakfield had $1.03 million in non-current loans and owned real-estate with $8.34 million in equity and loan loss allowances on hand to cover it. This gives Bank of Oakfield a Texas Ratio of 12.41% which is above 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 Oakfield decreased significantly from 22.67% as of December 31, 2010 to 12.41% as of December 31, 2011, resulting in a positive change of 45.28%.This indicates that the balance sheet and financial strength for Bank of Oakfield has improved significantly in recent periods. Deposit Growth In the past year, Bank of Oakfield has increased its total deposits by $4.36 million, resulting in 6.6% 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 Oakfield 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 Oakfield has $80.29 million in assets with $8.34 million in equity, resulting in a capitalization level of 10.39%, which is above average.

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