Ladysmith Federal Savings and Loan Association

Ladysmith Federal Savings and Loan Association is headquartered in Ladysmith and is the 248^th largest bank in the state of Wisconsin. It is also the 6,385^th largest bank in the nation. It was established in 1934 and as of March of 2012, it had grown to 9 employees at 1 location. Ladysmith Federal Savings and Loan Association's savings rates are 92% higher than the national average, and it has a 4-star health rating.

Ladysmith Federal Savings and Loan Association Checking Account Rates

Ladysmith Federal Savings and Loan Association Savings Account Rates

Ladysmith Federal Savings and Loan Association Money Market Rates

Ladysmith Federal Savings and Loan Association CD Rates

Ladysmith Federal Savings and Loan Association IRA Rates

Data for Q1 2012

Institution Statistics Ladysmith Federal Savings and Loan Association OTS # 02722 FDIC Certificate # 28983 BankRate Report View Year Established 1934 Employees 9 Primary Regulator OCC Assets and Liabilities Assets $49.33 million Loans $26.95 million Deposits $42.62 million Equity Capital $4.75 million Loan Loss Allowance $348,000 Unbacked Noncurrent Loans $906,000 Real Estate Owned $446,000 Historic Data - March 2011 Assets $45.87 million Equity Capital $4.17 million Loan Loss Allowance $102,000 Unbacked Noncurrent Loans $1.43 million Real Estate Owned $512,000 Profit Margin - Quarterly Net Interest Margin 2.81% Return on Assets 0.74% Return on Equity 7.75% Interest Income $470,000

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 Ladysmith Federal Savings and Loan Association had $1.35 million in non-current loans and owned real-estate with $5.1 million in equity and loan loss allowances on hand to cover it. This gives Ladysmith Federal Savings and Loan Association a Texas Ratio of 26.51% 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 Ladysmith Federal Savings and Loan Association decreased slightly from 40.20% as of March 31, 2011 to 26.51% as of March 31, 2012, resulting in a positive change of 34.05%.This indicates that the balance sheet and financial strength for Ladysmith Federal Savings and Loan Association has improved slightly in recent periods. Deposit Growth In the past year, Ladysmith Federal Savings and Loan Association has increased its total deposits by $2.77 million, resulting in 6.96% 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 Ladysmith Federal Savings and Loan Association 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. Ladysmith Federal Savings and Loan Association has $49.33 million in assets with $5.1 million in equity, resulting in a capitalization level of 10.34%, which is above average.

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