Community Bank of Central Wisconsin

Community Bank of Central Wisconsin is headquartered in Colby and is the 187^th largest bank in the state of Wisconsin. It is also the 5,043^rd largest bank in the nation. It was established in 1912 and as of March of 2012, it had grown to 31 employees at 4 locations. Community Bank of Central Wisconsin's savings rates are 44% higher than the national average, but it has a 2-star health rating.

Community Bank of Central Wisconsin Routing Number: 075907727

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Community Bank of Central Wisconsin IRA Rates

Data for Q1 2012

Institution Statistics Community Bank of Central Wisconsin FDIC Certificate # 13664 BankRate Report View Year Established 1912 Employees 31 Primary Regulator FDIC Assets and Liabilities Assets $96.85 million Loans $53.15 million Deposits $80.69 million Equity Capital $4.95 million Loan Loss Allowance $3.12 million Unbacked Noncurrent Loans $5.91 million Real Estate Owned $1.76 million Historic Data - March 2011 Assets $103.88 million Equity Capital $5.63 million Loan Loss Allowance $5.90 million Unbacked Noncurrent Loans $9.80 million Real Estate Owned $2.47 million Profit Margin - Quarterly Net Interest Margin 3.18% Return on Assets -0.01% Return on Equity -0.16% Interest Income $837,000

Institution Health Overall Score: 2 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 Community Bank of Central Wisconsin had $7.67 million in non-current loans and owned real-estate with $8.07 million in equity and loan loss allowances on hand to cover it. This gives Community Bank of Central Wisconsin a Texas Ratio of 95.02% 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 Community Bank of Central Wisconsin held steady from 106.41% as of March 31, 2011 to 95.02% as of March 31, 2012, resulting in a positive change of 10.71%.This indicates that the balance sheet and financial strength for Community Bank of Central Wisconsin has held steady in recent periods. Deposit Growth In the past year, Community Bank of Central Wisconsin has increased its total deposits by $282,000, resulting in 0.35% 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 Community Bank of Central Wisconsin 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. Community Bank of Central Wisconsin has $96.85 million in assets with $8.07 million in equity, resulting in a capitalization level of 8.34%, which is average.

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