Middleton Community Bank

Middleton Community Bank is headquartered in Middleton and is the 97^th largest bank in the state of Wisconsin. It is also the 2,912^st largest bank in the nation. It was established in 1995 and as of March of 2012, it had grown to 46 employees at 4 locations. Middleton Community Bank has a 5-star health rating.

Middleton Community Bank Routing Number: 075912783

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Data for Q1 2012

Institution Statistics Middleton Community Bank FDIC Certificate # 33978 BankRate Report View Year Established 1995 Employees 46 Primary Regulator FDIC Assets and Liabilities Assets $218.96 million Loans $138.03 million Deposits $186.11 million Equity Capital $27.32 million Loan Loss Allowance $5.05 million Unbacked Noncurrent Loans $1.83 million Real Estate Owned $251,000 Historic Data - March 2011 Assets $215.94 million Equity Capital $25.05 million Loan Loss Allowance $3.63 million Unbacked Noncurrent Loans $818,000 Real Estate Owned $1.94 million Profit Margin - Quarterly Net Interest Margin 3.85% Return on Assets 0.89% Return on Equity 7.17% Interest Income $2.39 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 Middleton Community Bank had $2.08 million in non-current loans and owned real-estate with $32.37 million in equity and loan loss allowances on hand to cover it. This gives Middleton Community Bank a Texas Ratio of 6.43% 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 Middleton Community Bank decreased slightly from 9.60% as of March 31, 2011 to 6.43% as of March 31, 2012, resulting in a positive change of 33.06%.This indicates that the balance sheet and financial strength for Middleton Community Bank has improved slightly in recent periods. Deposit Growth In the past year, Middleton Community Bank has increased its total deposits by $3.45 million, resulting in 1.89% 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 Middleton Community 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. Middleton Community Bank has $218.96 million in assets with $32.37 million in equity, resulting in a capitalization level of 14.78%, which is excellent.

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