Bonduel State Bank

Bonduel State Bank is headquartered in Bonduel and is the 249^th largest bank in the state of Wisconsin. It is also the 6,437^th largest bank in the nation. It was established in 1906 and as of December of 2011, it had grown to 8 employees at 1 location. Bonduel State Bank has a 5-star health rating.

Bonduel State Bank Routing Number: 075904597

Data for Q4 2011

Institution Statistics Bonduel State Bank FDIC Certificate # 11235 BankRate Report View Year Established 1906 Employees 8 Primary Regulator FDIC Assets and Liabilities Assets $48.37 million Loans $15.05 million Deposits $37.02 million Equity Capital $10.88 million Loan Loss Allowance $214,000 Unbacked Noncurrent Loans $94,000 Historic Data - December 2010 Assets $49.90 million Equity Capital $11.17 million Loan Loss Allowance $245,000 Unbacked Noncurrent Loans $140,000 Real Estate Owned $20,000 Profit Margin - Quarterly Net Interest Margin 3.64% Return on Assets 1.26% Return on Equity 5.45% Interest Income $1.85 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 Bonduel State Bank had $94,000 in non-current loans and owned real-estate with $11.1 million in equity and loan loss allowances on hand to cover it. This gives Bonduel State Bank a Texas Ratio of 0.85% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Bonduel State Bank decreased significantly from 1.59% as of December 31, 2010 to 0.85% as of December 31, 2011, resulting in a positive change of 46.56%.This indicates that the balance sheet and financial strength for Bonduel State Bank has improved significantly in recent periods. Deposit Growth In the past year, Bonduel State Bank has decreased its total deposits by -$1.23 million, resulting in -3.22% 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 Bonduel State Bank 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. Bonduel State Bank has $48.37 million in assets with $11.1 million in equity, resulting in a capitalization level of 22.94%, which is excellent.

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