Livingston State Bank

Livingston State Bank is headquartered in Livingston and is the 133^rd largest bank in the state of Wisconsin. It is also the 3,739^th largest bank in the nation. It was established in 1903 and as of March of 2012, it had grown to 26 employees at 3 locations. Livingston State Bank's savings rates are 3X the national average, and it boasts a 5-star health rating.

Livingston State Bank Routing Number: 075905871

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Data for Q1 2012

Institution Statistics Livingston State Bank FDIC Certificate # 6185 BankRate Report View Year Established 1903 Employees 26 Primary Regulator FDIC Assets and Liabilities Assets $157.82 million Loans $106.03 million Deposits $140.27 million Equity Capital $16.82 million Loan Loss Allowance $2.20 million Unbacked Noncurrent Loans $1.07 million Real Estate Owned $1.52 million Historic Data - March 2011 Assets $152.62 million Equity Capital $15.38 million Loan Loss Allowance $2.32 million Unbacked Noncurrent Loans $1.81 million Real Estate Owned $1.40 million Profit Margin - Quarterly Net Interest Margin 4.03% Return on Assets 1.05% Return on Equity 9.75% Interest Income $1.81 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 Livingston State Bank had $2.6 million in non-current loans and owned real-estate with $19.02 million in equity and loan loss allowances on hand to cover it. This gives Livingston State Bank a Texas Ratio of 13.65% 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 Livingston State Bank decreased slightly from 18.14% as of March 31, 2011 to 13.65% as of March 31, 2012, resulting in a positive change of 24.78%.This indicates that the balance sheet and financial strength for Livingston State Bank has improved slightly in recent periods. Deposit Growth In the past year, Livingston State Bank has increased its total deposits by $7.76 million, resulting in 5.86% 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 Livingston 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. Livingston State Bank has $157.82 million in assets with $19.02 million in equity, resulting in a capitalization level of 12.05%, which is excellent.

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