Nekoosa Port Edwards State Bank

Nekoosa Port Edwards State Bank is headquartered in Nekoosa and is the 104^th largest bank in the state of Wisconsin. It is also the 3,082^nd largest bank in the nation. It was established in 1913 and as of March of 2012, it had grown to 32 employees at 3 locations. Nekoosa Port Edwards State Bank has a 4-star health rating.

Data for Q1 2012

Institution Statistics Nekoosa Port Edwards State Bank FDIC Certificate # 2482 BankRate Report View Year Established 1913 Employees 32 Primary Regulator FDIC Assets and Liabilities Assets $202.79 million Loans $124.56 million Deposits $177.01 million Equity Capital $24.80 million Loan Loss Allowance $2.74 million Unbacked Noncurrent Loans $2.62 million Real Estate Owned $593,000 Historic Data - March 2011 Assets $205.46 million Equity Capital $23.40 million Loan Loss Allowance $2.35 million Unbacked Noncurrent Loans $2.82 million Real Estate Owned $378,000 Profit Margin - Quarterly Net Interest Margin 2.79% Return on Assets 1.27% Return on Equity 10.4% Interest Income $2.14 million

Institution Health Overall Score: 4 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 Nekoosa Port Edwards State Bank had $3.22 million in non-current loans and owned real-estate with $27.54 million in equity and loan loss allowances on hand to cover it. This gives Nekoosa Port Edwards State Bank a Texas Ratio of 11.68% 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 Nekoosa Port Edwards State Bank held steady from 12.41% as of March 31, 2011 to 11.68% as of March 31, 2012, resulting in a positive change of 5.86%.This indicates that the balance sheet and financial strength for Nekoosa Port Edwards State Bank has held steady in recent periods. Deposit Growth In the past year, Nekoosa Port Edwards State Bank has decreased its total deposits by -$3.96 million, resulting in -2.19% 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 Nekoosa Port Edwards State 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. Nekoosa Port Edwards State Bank has $202.79 million in assets with $27.54 million in equity, resulting in a capitalization level of 13.58%, which is excellent.

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