Mid-Wisconsin Bank

Mid-Wisconsin Bank is headquartered in Medford and is the 41^st largest bank in the state of Wisconsin. It is also the 1,404^th largest bank in the nation. It was established in 1890 and as of March of 2012, it had grown to 141 employees at 13 locations. Mid-Wisconsin Bank has a 3-star health rating.

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Data for Q1 2012

Institution Statistics Mid-Wisconsin Bank FDIC Certificate # 13273 BankRate Report View Year Established 1890 Employees 141 Primary Regulator FDIC Assets and Liabilities Assets $479.76 million Loans $315.35 million Deposits $379.47 million Equity Capital $44.58 million Loan Loss Allowance $10.07 million Unbacked Noncurrent Loans $9.82 million Real Estate Owned $5.36 million Historic Data - March 2011 Assets $498.62 million Equity Capital $46.83 million Loan Loss Allowance $9.71 million Unbacked Noncurrent Loans $13.72 million Real Estate Owned $3.87 million Profit Margin - Quarterly Net Interest Margin 3.41% Return on Assets 0.11% Return on Equity 1.15% Interest Income $5.11 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 Mid-Wisconsin Bank had $15.18 million in non-current loans and owned real-estate with $54.65 million in equity and loan loss allowances on hand to cover it. This gives Mid-Wisconsin Bank a Texas Ratio of 27.77% 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 Mid-Wisconsin Bank held steady from 31.17% as of March 31, 2011 to 27.77% as of March 31, 2012, resulting in a positive change of 10.90%.This indicates that the balance sheet and financial strength for Mid-Wisconsin Bank has held steady in recent periods. Deposit Growth In the past year, Mid-Wisconsin Bank has decreased its total deposits by -$17.99 million, resulting in -4.53% 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 Mid-Wisconsin Bank has shown is below 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. Mid-Wisconsin Bank has $479.76 million in assets with $54.65 million in equity, resulting in a capitalization level of 11.39%, which is above average.

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