Pioneer Bank (WI)

Pioneer Bank (WI) is headquartered in Auburndale and is the 166^th largest bank in the state of Wisconsin. It is also the 4,545^th largest bank in the nation. It was established in 1910 and as of March of 2012, it had grown to 54 employees at 10 locations. Pioneer Bank (WI) has a 4-star health rating.

Pioneer Bank (WI) CD Rates

Data for Q1 2012

Institution Statistics Pioneer Bank FDIC Certificate # 10734 BankRate Report View Year Established 1910 Employees 54 Primary Regulator FDIC Assets and Liabilities Assets $116.50 million Loans $79.21 million Deposits $101.92 million Equity Capital $13.93 million Loan Loss Allowance $554,000 Unbacked Noncurrent Loans $1.31 million Historic Data - March 2011 Assets $106.53 million Equity Capital $13.40 million Loan Loss Allowance $730,000 Unbacked Noncurrent Loans $195,000 Profit Margin - Quarterly Net Interest Margin 3.76% Return on Assets 0.24% Return on Equity 2.01% Interest Income $1.16 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 Pioneer Bank (WI) had $1.31 million in non-current loans and owned real-estate with $14.48 million in equity and loan loss allowances on hand to cover it. This gives Pioneer Bank (WI) a Texas Ratio of 9.02% 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 Pioneer Bank (WI) increased slightly from 1.04% as of March 31, 2011 to 9.02% as of March 31, 2012, resulting in a negative change of 767.32%. This indicates that the balance sheet and financial strength for Pioneer Bank (WI) has declined slightly in recent periods. Deposit Growth In the past year, Pioneer Bank (WI) has increased its total deposits by $9.3 million, resulting in 10.04% 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 (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. Pioneer Bank (WI) has $116.5 million in assets with $14.48 million in equity, resulting in a capitalization level of 12.43%, which is excellent.

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