Oak Bank (WI)

Oak Bank (WI) is headquartered in Fitchburg and is the 96^th largest bank in the state of Wisconsin. It is also the 2,896^th largest bank in the nation. It was established in 2000 and as of March of 2012, it had grown to 27 employees at 1 location. Oak Bank (WI) has a 3-star health rating.

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Data for Q1 2012

Institution Statistics Oak Bank FDIC Certificate # 35333 BankRate Report View Year Established 2000 Employees 27 Primary Regulator FDIC Assets and Liabilities Assets $220.08 million Loans $159.15 million Deposits $194.27 million Equity Capital $22.70 million Loan Loss Allowance $3.99 million Unbacked Noncurrent Loans $7.32 million Real Estate Owned $1.80 million Historic Data - March 2011 Assets $210.43 million Equity Capital $21.25 million Loan Loss Allowance $3.50 million Unbacked Noncurrent Loans $4.81 million Real Estate Owned $636,000 Profit Margin - Quarterly Net Interest Margin 3.65% Return on Assets 0.82% Return on Equity 8.06% Interest Income $2.37 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 Oak Bank (WI) had $9.12 million in non-current loans and owned real-estate with $26.69 million in equity and loan loss allowances on hand to cover it. This gives Oak Bank (WI) a Texas Ratio of 34.15% 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 Oak Bank (WI) increased slightly from 21.61% as of March 31, 2011 to 34.15% as of March 31, 2012, resulting in a negative change of 58.06%. This indicates that the balance sheet and financial strength for Oak Bank (WI) has declined slightly in recent periods. Deposit Growth In the past year, Oak Bank (WI) has increased its total deposits by $13.19 million, resulting in 7.29% 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 Oak Bank (WI) 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. Oak Bank (WI) has $220.08 million in assets with $26.69 million in equity, resulting in a capitalization level of 12.13%, which is excellent.

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