Laona State Bank

Laona State Bank is headquartered in Laona and is the 137^th largest bank in the state of Wisconsin. It is also the 3,784^th largest bank in the nation. It was established in 1914 and as of March of 2012, it had grown to 37 employees at 7 locations. Laona State Bank's money market rates are 70% higher than the national average, and it has a 3-star health rating.

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Data for Q1 2012

Institution Statistics Laona State Bank FDIC Certificate # 11601 BankRate Report View Year Established 1914 Employees 37 Primary Regulator FDIC Assets and Liabilities Assets $155.35 million Loans $94.73 million Deposits $138.52 million Equity Capital $16.36 million Loan Loss Allowance $1.27 million Unbacked Noncurrent Loans $5.47 million Real Estate Owned $1.11 million Historic Data - March 2011 Assets $148.87 million Equity Capital $15.36 million Loan Loss Allowance $1.22 million Unbacked Noncurrent Loans $4.89 million Real Estate Owned $1.47 million Profit Margin - Quarterly Net Interest Margin 3.04% Return on Assets 0.68% Return on Equity 6.46% Interest Income $1.51 million

Institution Health Overall Score: 3 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 Laona State Bank had $6.58 million in non-current loans and owned real-estate with $17.62 million in equity and loan loss allowances on hand to cover it. This gives Laona State Bank a Texas Ratio of 37.36% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Laona State Bank held steady from 35.76% as of March 31, 2011 to 37.36% as of March 31, 2012, resulting in a negative change of 4.49%. This indicates that the balance sheet and financial strength for Laona State Bank has held steady in recent periods. Deposit Growth In the past year, Laona State Bank has increased its total deposits by $5.5 million, resulting in 4.14% 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 Laona State Bank has shown is above 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. Laona State Bank has $155.35 million in assets with $17.62 million in equity, resulting in a capitalization level of 11.34%, which is above average.

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