La Farge State Bank

La Farge State Bank is headquartered in La Farge and is the 245^th largest bank in the state of Wisconsin. It is also the 6,330^th largest bank in the nation. It was established in 1921 and as of March of 2012, it had grown to 9 employees at 2 locations. La Farge State Bank has a 5-star health rating.

La Farge State Bank Routing Number: 075910387

Data for Q1 2012

Institution Statistics La Farge State Bank FDIC Certificate # 15127 BankRate Report View Year Established 1921 Employees 9 Primary Regulator FDIC Assets and Liabilities Assets $51.67 million Loans $24.68 million Deposits $34.51 million Equity Capital $16.43 million Loan Loss Allowance $300,000 Unbacked Noncurrent Loans $1.47 million Real Estate Owned $313,000 Historic Data - March 2011 Assets $48.67 million Equity Capital $15.38 million Loan Loss Allowance $356,000 Unbacked Noncurrent Loans $1.83 million Real Estate Owned $786,000 Profit Margin - Quarterly Net Interest Margin 4.06% Return on Assets 2.07% Return on Equity 6.43% Interest Income $556,000

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 La Farge State Bank had $1.78 million in non-current loans and owned real-estate with $16.73 million in equity and loan loss allowances on hand to cover it. This gives La Farge State Bank a Texas Ratio of 10.66% 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 La Farge State Bank decreased slightly from 16.60% as of March 31, 2011 to 10.66% as of March 31, 2012, resulting in a positive change of 35.78%.This indicates that the balance sheet and financial strength for La Farge State Bank has improved slightly in recent periods. Deposit Growth In the past year, La Farge State Bank has increased its total deposits by $2.5 million, resulting in 7.83% 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 La Farge 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. La Farge State Bank has $51.67 million in assets with $16.73 million in equity, resulting in a capitalization level of 32.38%, which is excellent.

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