Headwaters State Bank

4175 County Highway B
Land O Lakes, WI 54540
(715) 547-3383
www.headwatersstatebank.com

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Headwaters State Bank is headquartered in Land O Lakes and is the 226^th largest bank in the state of Wisconsin. It is also the 5,918^st largest bank in the nation. It was established in 1921 and as of March of 2012, it had grown to 15 employees at 2 locations. Headwaters State Bank's savings rates are 92% higher than the national average, and it boasts a 5-star health rating.

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See Rates for: Checking | Savings | Money Market | CD | IRA

Headwaters State Bank Checking Account Rates

	Apy	Min	Max	Product
	0.03%	$1k	-	NOW Checking Account

Headwaters State Bank Savings Account Rates

Apy	Min	Max	Product
1.00%	$50	-	IRA Savings Account
1.00%	$50	-	Roth IRA Savings Account
1.00%	$50	-	SIMPLE IRA Savings Account
1.00%	$50	-	Coverdell Education Savings Account
0.50%	$50	-	Passbook Savings Account
0.50%	$50	-	Commercial Savings Account

Headwaters State Bank Money Market Rates

Apy	Min	Max	Product
0.03%	-	-	First Addition Money Market Account
0.03%	-	-	Regular Money Market Account

Headwaters State Bank CD Rates

Apy	Min	Max	Product
2.01%	$1k	-	5 Year CD
1.51%	$1k	-	4 Year CD
1.25%	$1k	-	3 Year CD
1.00%	$1k	-	15 Month CD
1.00%	$1k	-	2 Year CD
0.75%	$1k	-	1 Year CD
0.50%	$1k	-	6 Month CD
0.50%	$1k	-	9 Month CD
0.30%	$1k	-	3 Month CD

Headwaters State Bank IRA Rates

Apy	Min	Max	Product
2.01%	$500	-	5 Year IRA CD
2.01%	$500	-	5 Year Roth IRA CD
2.01%	$500	-	5 Year Coverdell ESA CD
2.01%	$500	-	5 Year SIMPLE IRA CD
1.51%	$500	-	4 Year IRA CD
1.51%	$500	-	4 Year Roth IRA CD
1.51%	$500	-	4 Year Coverdell ESA CD
1.51%	$500	-	4 Year SIMPLE IRA CD
1.25%	$500	-	3 Year IRA CD
1.25%	$500	-	3 Year Roth IRA CD
1.25%	$500	-	3 Year Coverdell ESA CD
1.25%	$500	-	3 Year SIMPLE IRA CD
1.00%	$500	-	15 Month IRA CD
1.00%	$500	-	2 Year IRA CD
1.00%	$500	-	15 Month Roth IRA CD
1.00%	$500	-	2 Year Roth IRA CD
1.00%	$500	-	15 Month Coverdell ESA CD
1.00%	$500	-	15 Month SIMPLE IRA CD
1.00%	$500	-	2 Year Coverdell ESA CD
1.00%	$500	-	2 Year SIMPLE IRA CD
0.75%	$500	-	1 Year IRA CD
0.75%	$500	-	1 Year Roth IRA CD
0.75%	$500	-	1 Year Coverdell ESA CD
0.75%	$500	-	1 Year SIMPLE IRA CD
0.50%	$500	-	6 Month IRA CD
0.50%	$500	-	9 Month IRA CD
0.50%	$500	-	6 Month Roth IRA CD
0.50%	$500	-	9 Month Roth IRA CD
0.50%	$500	-	6 Month Coverdell ESA CD
0.50%	$500	-	6 Month SIMPLE IRA CD
0.50%	$500	-	9 Month Coverdell ESA CD
0.50%	$500	-	9 Month SIMPLE IRA CD
0.30%	$500	-	3 Month IRA CD
0.30%	$500	-	3 Month Roth IRA CD
0.30%	$500	-	3 Month Coverdell ESA CD
0.30%	$500	-	3 Month SIMPLE IRA CD

Rates updated: 5/26/2012

Data for Q1 2012

Institution Statistics

Headwaters State Bank
FDIC Certificate #	9035
BankRate Report	View
Year Established	1921
Employees	15
Primary Regulator	FDIC
Assets and Liabilities
Assets	$65.24 million
Loans	$44.01 million
Deposits	$56.65 million
Equity Capital	$8.50 million
Loan Loss Allowance	$513,000
Unbacked Noncurrent Loans	$722,000
Real Estate Owned	$601,000
Historic Data - March 2011
Assets	$61.36 million
Equity Capital	$8.12 million
Loan Loss Allowance	$527,000
Unbacked Noncurrent Loans	$1.26 million
Real Estate Owned	$392,000
Profit Margin - Quarterly
Net Interest Margin	5.05%
Return on Assets	1.51%
Return on Equity	11.75%
Interest Income	$882,000

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 Headwaters State Bank had $1.32 million in non-current loans and owned real-estate with $9.01 million in equity and loan loss allowances on hand to cover it. This gives Headwaters State Bank a Texas Ratio of 14.68% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for Headwaters State Bank decreased slightly from 19.04% as of March 31, 2011 to 14.68% as of March 31, 2012, resulting in a positive change of 22.91%.This indicates that the balance sheet and financial strength for Headwaters State Bank has improved slightly in recent periods.
Deposit Growth
In the past year, Headwaters State Bank has increased its total deposits by $3.72 million, resulting in 7.03% 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 Headwaters State 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. Headwaters State Bank has $65.24 million in assets with $9.01 million in equity, resulting in a capitalization level of 13.81%, which is excellent.

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