Collins State Bank

Collins State Bank is headquartered in Collins and is the 251^st largest bank in the state of Wisconsin. It is also the 6,458^th largest bank in the nation. It was established in 1914 and as of March of 2012, it had grown to 15 employees at 2 locations. Collins State Bank has a 5-star health rating.

Collins State Bank Routing Number: 075908276

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Data for Q1 2012

Institution Statistics Collins State Bank FDIC Certificate # 14914 BankRate Report View Year Established 1914 Employees 15 Primary Regulator FDIC Assets and Liabilities Assets $47.29 million Loans $30.71 million Deposits $42.19 million Equity Capital $4.98 million Loan Loss Allowance $393,000 Historic Data - March 2011 Assets $46.55 million Equity Capital $4.41 million Loan Loss Allowance $342,000 Unbacked Noncurrent Loans $72,000 Profit Margin - Quarterly Net Interest Margin 4.08% Return on Assets 1.5% Return on Equity 14.48% Interest Income $550,000

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 March 31, 2012 Collins State Bank had $0 in non-current loans and owned real-estate with $5.37 million in equity and loan loss allowances on hand to cover it. This gives Collins State Bank a Texas Ratio of 0.00% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Deposit Growth In the past year, Collins State Bank has increased its total deposits by $336,000, resulting in 0.8% 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 Collins State Bank has shown is 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. Collins State Bank has $47.29 million in assets with $5.37 million in equity, resulting in a capitalization level of 11.36%, which is above average.

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