Northwestern Bank

Northwestern Bank is headquartered in Chippewa Falls and is the 50^th largest bank in the state of Wisconsin. It is also the 1,723^rd largest bank in the nation. It was established in 1904 and as of December of 2012, it had grown to 74 employees at 7 locations. Northwestern Bank has a 5-star health rating.

Northwestern Bank Routing Number: 091801234

Northwestern Bank CD Rates

Data for Q4 2012

Institution Statistics Northwestern Bank FDIC Certificate # 2468 BankRate Report View Year Established 1904 Employees 74 Primary Regulator FED Assets and Liabilities Assets $383.87 million Loans $196.31 million Deposits $339.31 million Equity Capital $44.16 million Loan Loss Allowance $4.06 million Unbacked Noncurrent Loans $3.77 million Real Estate Owned $2.53 million Historic Data - December 2011 Assets $376.94 million Equity Capital $42.75 million Loan Loss Allowance $4.22 million Unbacked Noncurrent Loans $6.43 million Real Estate Owned $2.99 million Profit Margin - Quarterly Net Interest Margin 3.95% Return on Assets 1.15% Return on Equity 9.74% Interest Income $16.62 million

Institution Health Overall Score: 5 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 December 31, 2012 Northwestern Bank had $6.3 million in non-current loans and owned real-estate with $48.22 million in equity and loan loss allowances on hand to cover it. This gives Northwestern Bank a Texas Ratio of 13.07% 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 Northwestern Bank decreased slightly from 20.07% as of December 31, 2011 to 13.07% as of December 31, 2012, resulting in a positive change of 34.86%.This indicates that the balance sheet and financial strength for Northwestern Bank has improved slightly in recent periods. Deposit Growth In the past year, Northwestern Bank has increased its total deposits by $20.72 million, resulting in 6.5% 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 Northwestern Bank has shown is excellent. 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. Northwestern Bank has $383.87 million in assets with $48.22 million in equity, resulting in a capitalization level of 12.56%, which is excellent.

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