Northern State Bank

Northern State Bank is headquartered in Ashland and is the 95^th largest bank in the state of Wisconsin. It is also the 2,816^st largest bank in the nation. It was established in 1933 and as of March of 2012, it had grown to 60 employees at 8 locations. Northern State Bank has a 4-star health rating.

Northern State Bank Routing Number: 091510253

Data for Q1 2012

Institution Statistics Northern State Bank FDIC Certificate # 15242 BankRate Report View Year Established 1933 Employees 60 Primary Regulator FDIC Assets and Liabilities Assets $226.56 million Loans $137.42 million Deposits $207.72 million Equity Capital $18.61 million Loan Loss Allowance $1.08 million Unbacked Noncurrent Loans $604,000 Real Estate Owned $496,000 Historic Data - March 2011 Assets $224.81 million Equity Capital $17.66 million Loan Loss Allowance $1.17 million Unbacked Noncurrent Loans $528,000 Real Estate Owned $241,000 Profit Margin - Quarterly Net Interest Margin 3.28% Return on Assets 1.31% Return on Equity 15.96% Interest Income $2.07 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 Northern State Bank had $1.1 million in non-current loans and owned real-estate with $19.69 million in equity and loan loss allowances on hand to cover it. This gives Northern State Bank a Texas Ratio of 5.59% 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 Northern State Bank held steady from 4.08% as of March 31, 2011 to 5.59% as of March 31, 2012, resulting in a negative change of 36.82%. This indicates that the balance sheet and financial strength for Northern State Bank has held steady in recent periods. Deposit Growth In the past year, Northern State Bank has increased its total deposits by $830,000, resulting in 0.4% 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 Northern State Bank has shown is 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. Northern State Bank has $226.56 million in assets with $19.69 million in equity, resulting in a capitalization level of 8.69%, which is average.

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