Banks of Wisconsin

Banks of Wisconsin is headquartered in Kenosha and is the 127^th largest bank in the state of Wisconsin. It is also the 3,559^th largest bank in the nation. It was established in 2000 and as of December of 2011, it had grown to 50 employees at 2 locations. Banks of Wisconsin's savings rates are 27% higher than the national average, but it has a 1-star health rating.

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Banks of Wisconsin IRA Rates

Data for Q4 2011

Institution Statistics Banks of Wisconsin FDIC Certificate # 35386 BankRate Report View Year Established 2000 Employees 50 Primary Regulator FDIC Assets and Liabilities Assets $166.55 million Loans $114.26 million Deposits $145.73 million Equity Capital $8.66 million Loan Loss Allowance $4.71 million Unbacked Noncurrent Loans $19.09 million Real Estate Owned $6.26 million Historic Data - December 2010 Assets $210.05 million Equity Capital $14.11 million Loan Loss Allowance $4.80 million Unbacked Noncurrent Loans $23.13 million Real Estate Owned $2.36 million Profit Margin - Quarterly Net Interest Margin 3.33% Return on Assets -3.45% Return on Equity -57.41% Interest Income $8.33 million

Institution Health Overall Score: 1 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 Banks of Wisconsin had $25.35 million in non-current loans and owned real-estate with $13.37 million in equity and loan loss allowances on hand to cover it. This gives Banks of Wisconsin a Texas Ratio of 189.65% which is poor. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Banks of Wisconsin increased slightly from 133.75% as of December 31, 2010 to 189.65% as of December 31, 2011, resulting in a negative change of 41.79%. This indicates that the balance sheet and financial strength for Banks of Wisconsin has declined slightly in recent periods. Deposit Growth In the past year, Banks of Wisconsin has decreased its total deposits by -$29.02 million, resulting in -16.61% 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 Banks of Wisconsin 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. Banks of Wisconsin has $166.55 million in assets with $13.37 million in equity, resulting in a capitalization level of 8.03%, which is average.

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