State Bank Financial

State Bank Financial is headquartered in La Crosse and is the 58^th largest bank in the state of Wisconsin. It is also the 2,064^th largest bank in the nation. It was established in 1858 and as of March of 2012, it had grown to 86 employees at 7 locations. State Bank Financial has a 5-star health rating.

State Bank Financial Routing Number: 091800316

Data for Q1 2012

Institution Statistics State Bank Financial FDIC Certificate # 10383 BankRate Report View Year Established 1858 Employees 86 Primary Regulator FED Assets and Liabilities Assets $315.95 million Loans $183.53 million Deposits $249.05 million Equity Capital $36.26 million Loan Loss Allowance $4.47 million Unbacked Noncurrent Loans $243,000 Real Estate Owned $1.35 million Historic Data - March 2011 Assets $304.66 million Equity Capital $33.85 million Loan Loss Allowance $5.09 million Unbacked Noncurrent Loans $6.00 million Real Estate Owned $1.31 million Profit Margin - Quarterly Net Interest Margin 3.61% Return on Assets 0.97% Return on Equity 8.75% Interest Income $3.03 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 State Bank Financial had $1.59 million in non-current loans and owned real-estate with $40.73 million in equity and loan loss allowances on hand to cover it. This gives State Bank Financial a Texas Ratio of 3.91% 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 State Bank Financial decreased significantly from 34.02% as of March 31, 2011 to 3.91% as of March 31, 2012, resulting in a positive change of 88.50%.This indicates that the balance sheet and financial strength for State Bank Financial has improved significantly in recent periods. Deposit Growth In the past year, State Bank Financial has increased its total deposits by $5.14 million, resulting in 2.11% 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 State Bank Financial 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. State Bank Financial has $315.95 million in assets with $40.73 million in equity, resulting in a capitalization level of 12.89%, which is excellent.

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