Chippewa Valley Bank

Chippewa Valley Bank is headquartered in Winter and is the 83^rd largest bank in the state of Wisconsin. It is also the 2,536^th largest bank in the nation. It was established in 1917 and as of March of 2012, it had grown to 60 employees at 10 locations. Chippewa Valley Bank has a 3-star health rating.

Chippewa Valley Bank Routing Number: 091509468

Data for Q1 2012

Institution Statistics Chippewa Valley Bank FDIC Certificate # 12322 BankRate Report View Year Established 1917 Employees 60 Primary Regulator FDIC Assets and Liabilities Assets $254.81 million Loans $178.41 million Deposits $219.51 million Equity Capital $21.19 million Loan Loss Allowance $2.50 million Unbacked Noncurrent Loans $6.63 million Real Estate Owned $2.47 million Historic Data - March 2011 Assets $241.09 million Equity Capital $19.84 million Loan Loss Allowance $2.32 million Unbacked Noncurrent Loans $5.59 million Real Estate Owned $1.54 million Profit Margin - Quarterly Net Interest Margin 4.06% Return on Assets 1.33% Return on Equity 15.59% Interest Income $2.84 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 March 31, 2012 Chippewa Valley Bank had $9.11 million in non-current loans and owned real-estate with $23.69 million in equity and loan loss allowances on hand to cover it. This gives Chippewa Valley Bank a Texas Ratio of 38.44% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Chippewa Valley Bank increased slightly from 32.16% as of March 31, 2011 to 38.44% as of March 31, 2012, resulting in a negative change of 19.50%. This indicates that the balance sheet and financial strength for Chippewa Valley Bank has declined slightly in recent periods. Deposit Growth In the past year, Chippewa Valley Bank has increased its total deposits by $13.03 million, resulting in 6.31% 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 Chippewa Valley Bank 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. Chippewa Valley Bank has $254.81 million in assets with $23.69 million in equity, resulting in a capitalization level of 9.30%, which is average.

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