Pioneer Bank of Wisconsin

Pioneer Bank of Wisconsin is headquartered in Ladysmith and is the 231^st largest bank in the state of Wisconsin. It is also the 6,028^th largest bank in the nation. It was established in 1920 and as of March of 2012, it had grown to 15 employees at 2 locations. Pioneer Bank of Wisconsin has a 5-star health rating.

Pioneer Bank of Wisconsin Routing Number: 091810296

Data for Q1 2012

Institution Statistics Pioneer Bank of Wisconsin FDIC Certificate # 5352 BankRate Report View Year Established 1920 Employees 15 Primary Regulator FDIC Assets and Liabilities Assets $61.64 million Loans $21.38 million Deposits $53.67 million Equity Capital $6.41 million Loan Loss Allowance $260,000 Unbacked Noncurrent Loans $266,000 Real Estate Owned $198,000 Historic Data - March 2011 Assets $58.62 million Equity Capital $5.30 million Loan Loss Allowance $241,000 Unbacked Noncurrent Loans $559,000 Real Estate Owned $204,000 Profit Margin - Quarterly Net Interest Margin 3.37% Return on Assets 1.02% Return on Equity 9.75% Interest Income $569,000

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 March 31, 2012 Pioneer Bank of Wisconsin had $464,000 in non-current loans and owned real-estate with $6.67 million in equity and loan loss allowances on hand to cover it. This gives Pioneer Bank of Wisconsin a Texas Ratio of 6.95% 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 Pioneer Bank of Wisconsin held steady from 5.06% as of March 31, 2011 to 6.95% as of March 31, 2012, resulting in a negative change of 37.48%. This indicates that the balance sheet and financial strength for Pioneer Bank of Wisconsin has held steady in recent periods. Deposit Growth In the past year, Pioneer Bank of Wisconsin has increased its total deposits by $1.83 million, resulting in 3.54% 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 Pioneer Bank of Wisconsin 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. Pioneer Bank of Wisconsin has $61.64 million in assets with $6.67 million in equity, resulting in a capitalization level of 10.83%, which is above average.

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