State Bank of Cross Plains

State Bank of Cross Plains is headquartered in Cross Plains and is the 18^st largest bank in the state of Wisconsin. It is also the 847^th largest bank in the nation. It was established in 1908 and as of September of 2011, it had grown to 189 employees at 10 locations. State Bank of Cross Plains has a 3-star health rating.

State Bank of Cross Plains Routing Number: 075904953

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Data for Q3 2011

Institution Statistics State Bank of Cross Plains FDIC Certificate # 15091 BankRate Report View Year Established 1908 Employees 189 Primary Regulator FDIC Assets and Liabilities Assets $785.06 million Loans $579.04 million Deposits $679.21 million Equity Capital $72.10 million Loan Loss Allowance $12.47 million Unbacked Noncurrent Loans $38.82 million Real Estate Owned $9.89 million Historic Data - September 2010 Assets $778.22 million Equity Capital $69.49 million Loan Loss Allowance $7.59 million Unbacked Noncurrent Loans $26.49 million Real Estate Owned $4.37 million Profit Margin - Quarterly Net Interest Margin 4.31% Return on Assets 0.41% Return on Equity 4.47% Interest Income $28.53 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 September 30, 2011 State Bank of Cross Plains had $48.71 million in non-current loans and owned real-estate with $84.57 million in equity and loan loss allowances on hand to cover it. This gives State Bank of Cross Plains a Texas Ratio of 57.59% 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 State Bank of Cross Plains increased slightly from 40.03% as of September 30, 2010 to 57.59% as of September 30, 2011, resulting in a negative change of 43.88%. This indicates that the balance sheet and financial strength for State Bank of Cross Plains has declined slightly in recent periods. Deposit Growth In the past year, State Bank of Cross Plains has increased its total deposits by $16.49 million, resulting in 2.49% 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 of Cross Plains 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 of Cross Plains has $785.06 million in assets with $84.57 million in equity, resulting in a capitalization level of 10.77%, which is above average.

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