North Milwaukee State Bank

North Milwaukee State Bank is headquartered in Milwaukee and is the 190^th largest bank in the state of Wisconsin. It is also the 5,104^th largest bank in the nation. It was established in 1971 and as of March of 2012, it had grown to 20 employees at 2 locations. North Milwaukee State Bank has a 3-star health rating.

North Milwaukee State Bank Routing Number: 075011930

Data for Q1 2012

Institution Statistics North Milwaukee State Bank FDIC Certificate # 20364 BankRate Report View Year Established 1971 Employees 20 Primary Regulator FDIC Assets and Liabilities Assets $94.09 million Loans $59.09 million Deposits $81.23 million Equity Capital $7.94 million Loan Loss Allowance $2.51 million Unbacked Noncurrent Loans $5.32 million Real Estate Owned $800,000 Historic Data - March 2011 Assets $90.70 million Equity Capital $8.33 million Loan Loss Allowance $1.25 million Unbacked Noncurrent Loans $6.15 million Real Estate Owned $793,000 Profit Margin - Quarterly Net Interest Margin 5.33% Return on Assets 0.46% Return on Equity 5.32% Interest Income $1.32 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 North Milwaukee State Bank had $6.12 million in non-current loans and owned real-estate with $10.46 million in equity and loan loss allowances on hand to cover it. This gives North Milwaukee State Bank a Texas Ratio of 58.49% 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 North Milwaukee State Bank decreased slightly from 72.49% as of March 31, 2011 to 58.49% as of March 31, 2012, resulting in a positive change of 19.31%.This indicates that the balance sheet and financial strength for North Milwaukee State Bank has improved slightly in recent periods. Deposit Growth In the past year, North Milwaukee State Bank has increased its total deposits by $3.35 million, resulting in 4.31% 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 North Milwaukee State 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. North Milwaukee State Bank has $94.09 million in assets with $10.46 million in equity, resulting in a capitalization level of 11.11%, which is above average.

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