Bank of Wisconsin Dells

Bank of Wisconsin Dells is headquartered in Wisconsin Dells and is the 52^nd largest bank in the state of Wisconsin. It is also the 1,766^th largest bank in the nation. It was established in 1910 and as of December of 2011, it had grown to 70 employees at 3 locations. Bank of Wisconsin Dells has a 3-star health rating.

Bank of Wisconsin Dells Routing Number: 075903394

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Data for Q4 2011

Institution Statistics Bank of Wisconsin Dells FDIC Certificate # 15136 BankRate Report View Year Established 1910 Employees 70 Primary Regulator FDIC Assets and Liabilities Assets $374.42 million Loans $268.75 million Deposits $323.19 million Equity Capital $38.78 million Loan Loss Allowance $5.02 million Unbacked Noncurrent Loans $8.03 million Real Estate Owned $2.07 million Historic Data - December 2010 Assets $384.19 million Equity Capital $35.48 million Loan Loss Allowance $5.24 million Unbacked Noncurrent Loans $7.15 million Real Estate Owned $4.47 million Profit Margin - Quarterly Net Interest Margin 4.26% Return on Assets 0.85% Return on Equity 8.8% Interest Income $18.13 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 Wisconsin Dells had $10.1 million in non-current loans and owned real-estate with $43.8 million in equity and loan loss allowances on hand to cover it. This gives Bank of Wisconsin Dells a Texas Ratio of 23.06% 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 Wisconsin Dells decreased slightly from 28.54% as of December 31, 2010 to 23.06% as of December 31, 2011, resulting in a positive change of 19.22%.This indicates that the balance sheet and financial strength for Bank of Wisconsin Dells has improved slightly in recent periods. Deposit Growth In the past year, Bank of Wisconsin Dells has decreased its total deposits by -$12.16 million, resulting in -3.63% 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 Wisconsin Dells has shown is below 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 Wisconsin Dells has $374.42 million in assets with $43.8 million in equity, resulting in a capitalization level of 11.70%, which is above average.

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