Dairy State Bank

Dairy State Bank is headquartered in Rice Lake and is the 45^th largest bank in the state of Wisconsin. It is also the 1,546^th largest bank in the nation. It was established in 1953 and as of March of 2012, it had grown to 86 employees at 10 locations. Dairy State Bank's savings rates are 25% higher than the national average, and it has a 3-star health rating.

Dairy State Bank Routing Number: 091811004

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Data for Q1 2012

Institution Statistics Dairy State Bank FDIC Certificate # 17162 BankRate Report View Year Established 1953 Employees 86 Primary Regulator FDIC Assets and Liabilities Assets $431.30 million Loans $190.88 million Deposits $332.58 million Equity Capital $47.94 million Loan Loss Allowance $5.70 million Unbacked Noncurrent Loans $5.79 million Real Estate Owned $2.81 million Historic Data - March 2011 Assets $465.36 million Equity Capital $44.51 million Loan Loss Allowance $5.72 million Unbacked Noncurrent Loans $6.48 million Real Estate Owned $276,000 Profit Margin - Quarterly Net Interest Margin 2.9% Return on Assets 0.6% Return on Equity 5.6% Interest Income $3.90 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 Dairy State Bank had $8.6 million in non-current loans and owned real-estate with $53.63 million in equity and loan loss allowances on hand to cover it. This gives Dairy State Bank a Texas Ratio of 16.04% 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 Dairy State Bank held steady from 13.45% as of March 31, 2011 to 16.04% as of March 31, 2012, resulting in a negative change of 19.27%. This indicates that the balance sheet and financial strength for Dairy State Bank has held steady in recent periods. Deposit Growth In the past year, Dairy State Bank has decreased its total deposits by -$29.7 million, resulting in -8.2% 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 Dairy State Bank has shown is poor. 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. Dairy State Bank has $431.3 million in assets with $53.63 million in equity, resulting in a capitalization level of 12.43%, which is excellent.

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