Mitchell Bank

Mitchell Bank is headquartered in Milwaukee and is the 235^th largest bank in the state of Wisconsin. It is also the 6,064^th largest bank in the nation. It was established in 1907 and as of March of 2012, it had grown to 25 employees at 3 locations. Mitchell Bank has a 3-star health rating.

Mitchell Bank Routing Number: 075000569

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Data for Q1 2012

Institution Statistics Mitchell Bank FDIC Certificate # 13029 BankRate Report View Year Established 1907 Employees 25 Primary Regulator FDIC Assets and Liabilities Assets $60.17 million Loans $38.81 million Deposits $52.04 million Equity Capital $6.94 million Loan Loss Allowance $1.96 million Unbacked Noncurrent Loans $1.90 million Real Estate Owned $4.67 million Historic Data - March 2011 Assets $64.31 million Equity Capital $8.51 million Loan Loss Allowance $1.43 million Unbacked Noncurrent Loans $4.19 million Real Estate Owned $5.34 million Profit Margin - Quarterly Net Interest Margin 5.02% Return on Assets -2.37% Return on Equity -19.5% Interest Income $668,000

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 Mitchell Bank had $6.57 million in non-current loans and owned real-estate with $8.9 million in equity and loan loss allowances on hand to cover it. This gives Mitchell Bank a Texas Ratio of 73.85% 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 Mitchell Bank decreased slightly from 95.88% as of March 31, 2011 to 73.85% as of March 31, 2012, resulting in a positive change of 22.97%.This indicates that the balance sheet and financial strength for Mitchell Bank has improved slightly in recent periods. Deposit Growth In the past year, Mitchell Bank has decreased its total deposits by -$1.18 million, resulting in -2.22% 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 Mitchell 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. Mitchell Bank has $60.17 million in assets with $8.9 million in equity, resulting in a capitalization level of 14.79%, which is excellent.

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