Black River Country Bank

Black River Country Bank is headquartered in Black River Fall and is the 218^st largest bank in the state of Wisconsin. It is also the 5,759^th largest bank in the nation. It was established in 1907 and as of December of 2011, it had grown to 20 employees at 2 locations. Black River Country Bank has a 4-star health rating.

Black River Country Bank Routing Number: 075906032

Black River Country Bank CD Rates

Data for Q4 2011

Institution Statistics Black River Country Bank FDIC Certificate # 15152 BankRate Report View Year Established 1907 Employees 20 Primary Regulator FDIC Assets and Liabilities Assets $70.92 million Loans $53.39 million Deposits $57.89 million Equity Capital $9.19 million Loan Loss Allowance $765,000 Unbacked Noncurrent Loans $826,000 Real Estate Owned $973,000 Historic Data - December 2010 Assets $69.59 million Equity Capital $8.96 million Loan Loss Allowance $671,000 Unbacked Noncurrent Loans $773,000 Real Estate Owned $300,000 Profit Margin - Quarterly Net Interest Margin 4.05% Return on Assets 1.41% Return on Equity 11.03% Interest Income $3.60 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 Black River Country Bank had $1.8 million in non-current loans and owned real-estate with $9.96 million in equity and loan loss allowances on hand to cover it. This gives Black River Country Bank a Texas Ratio of 18.07% 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 Black River Country Bank increased slightly from 11.14% as of December 31, 2010 to 18.07% as of December 31, 2011, resulting in a negative change of 62.24%. This indicates that the balance sheet and financial strength for Black River Country Bank has declined slightly in recent periods. Deposit Growth In the past year, Black River Country Bank has increased its total deposits by $2.57 million, resulting in 4.65% 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 Black River Country Bank 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. Black River Country Bank has $70.92 million in assets with $9.96 million in equity, resulting in a capitalization level of 14.04%, which is excellent.

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