Hustisford State Bank

Hustisford State Bank is headquartered in Hustisford and is the 244^th largest bank in the state of Wisconsin. It is also the 6,289^th largest bank in the nation. It was established in 1902 and as of March of 2012, it had grown to 11 employees at 1 location. Hustisford State Bank has a 4-star health rating.

Hustisford State Bank Routing Number: 075905664

Data for Q1 2012

Institution Statistics Hustisford State Bank FDIC Certificate # 12354 BankRate Report View Year Established 1902 Employees 11 Primary Regulator FDIC Assets and Liabilities Assets $52.66 million Loans $40.92 million Deposits $44.69 million Equity Capital $7.52 million Loan Loss Allowance $687,000 Unbacked Noncurrent Loans $1.13 million Real Estate Owned $120,000 Historic Data - March 2011 Assets $53.85 million Equity Capital $7.20 million Loan Loss Allowance $619,000 Unbacked Noncurrent Loans $1.06 million Real Estate Owned $135,000 Profit Margin - Quarterly Net Interest Margin 4.66% Return on Assets 0.9% Return on Equity 6.37% Interest Income $664,000

Institution Health Overall Score: 4 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 Hustisford State Bank had $1.25 million in non-current loans and owned real-estate with $8.21 million in equity and loan loss allowances on hand to cover it. This gives Hustisford State Bank a Texas Ratio of 15.26% 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 Hustisford State Bank held steady from 15.25% as of March 31, 2011 to 15.26% as of March 31, 2012, resulting in a negative change of 0.04%. This indicates that the balance sheet and financial strength for Hustisford State Bank has held steady in recent periods. Deposit Growth In the past year, Hustisford State Bank has increased its total deposits by $3.6 million, resulting in 8.76% 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 Hustisford 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. Hustisford State Bank has $52.66 million in assets with $8.21 million in equity, resulting in a capitalization level of 15.59%, which is excellent.

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