Shell Lake State Bank

Shell Lake State Bank is headquartered in Shell Lake and is the 142^nd largest bank in the state of Wisconsin. It is also the 3,875^th largest bank in the nation. It was established in 1916 and as of March of 2012, it had grown to 30 employees at 3 locations. Shell Lake State Bank has a 5-star health rating.

Shell Lake State Bank Routing Number: 091809472

Data for Q1 2012

Institution Statistics Shell Lake State Bank FDIC Certificate # 14911 BankRate Report View Year Established 1916 Employees 30 Primary Regulator FDIC Assets and Liabilities Assets $149.92 million Loans $71.36 million Deposits $112.33 million Equity Capital $28.91 million Loan Loss Allowance $1.09 million Unbacked Noncurrent Loans $2.09 million Real Estate Owned $278,000 Historic Data - March 2011 Assets $134.76 million Equity Capital $25.21 million Loan Loss Allowance $1.03 million Unbacked Noncurrent Loans $1.56 million Real Estate Owned $266,000 Profit Margin - Quarterly Net Interest Margin 3.76% Return on Assets 1.85% Return on Equity 9.66% Interest Income $1.61 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 March 31, 2012 Shell Lake State Bank had $2.37 million in non-current loans and owned real-estate with $30.01 million in equity and loan loss allowances on hand to cover it. This gives Shell Lake State Bank a Texas Ratio of 7.89% 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 Shell Lake State Bank held steady from 6.97% as of March 31, 2011 to 7.89% as of March 31, 2012, resulting in a negative change of 13.29%. This indicates that the balance sheet and financial strength for Shell Lake State Bank has held steady in recent periods. Deposit Growth In the past year, Shell Lake State Bank has increased its total deposits by $12.52 million, resulting in 12.55% 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 Shell Lake State 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. Shell Lake State Bank has $149.92 million in assets with $30.01 million in equity, resulting in a capitalization level of 20.02%, which is excellent.

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