Jackson County Bank (WI)

Jackson County Bank (WI) is headquartered in Black River Fall and is the 94^th largest bank in the state of Wisconsin. It is also the 2,778^th largest bank in the nation. It was established in 1877 and as of March of 2012, it had grown to 46 employees at 6 locations. Jackson County Bank (WI) has a 5-star health rating.

Data for Q1 2012

Institution Statistics Jackson County Bank FDIC Certificate # 15121 BankRate Report View Year Established 1877 Employees 46 Primary Regulator FDIC Assets and Liabilities Assets $229.50 million Loans $150.25 million Deposits $193.29 million Equity Capital $22.42 million Loan Loss Allowance $2.44 million Unbacked Noncurrent Loans $1.67 million Real Estate Owned $119,000 Historic Data - March 2011 Assets $233.33 million Equity Capital $21.30 million Loan Loss Allowance $2.47 million Unbacked Noncurrent Loans $4.25 million Profit Margin - Quarterly Net Interest Margin 3.5% Return on Assets 1.81% Return on Equity 18.41% Interest Income $2.41 million

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 Jackson County Bank (WI) had $1.78 million in non-current loans and owned real-estate with $24.86 million in equity and loan loss allowances on hand to cover it. This gives Jackson County Bank (WI) a Texas Ratio of 7.18% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Jackson County Bank (WI) decreased significantly from 17.73% as of March 31, 2011 to 7.18% as of March 31, 2012, resulting in a positive change of 59.49%.This indicates that the balance sheet and financial strength for Jackson County Bank (WI) has improved significantly in recent periods. Deposit Growth In the past year, Jackson County Bank (WI) has decreased its total deposits by -$2.96 million, resulting in -1.51% 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 Jackson County Bank (WI) has shown is below 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. Jackson County Bank (WI) has $229.5 million in assets with $24.86 million in equity, resulting in a capitalization level of 10.83%, which is above average.

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