The Bank of Kaukauna

The Bank of Kaukauna is headquartered in Kaukauna and is the 199^th largest bank in the state of Wisconsin. It is also the 5,352^nd largest bank in the nation. It was established in 1883 and as of March of 2012, it had grown to 16 employees at 1 location. The Bank of Kaukauna has a 2-star health rating.

The Bank of Kaukauna Routing Number: 075901972

Data for Q1 2012

Institution Statistics The Bank of Kaukauna FDIC Certificate # 15228 BankRate Report View Year Established 1883 Employees 16 Primary Regulator FDIC Assets and Liabilities Assets $84.80 million Loans $70.04 million Deposits $69.22 million Equity Capital $8.31 million Loan Loss Allowance $2.38 million Unbacked Noncurrent Loans $8.09 million Real Estate Owned $2.08 million Historic Data - March 2011 Assets $99.60 million Equity Capital $9.65 million Loan Loss Allowance $2.25 million Unbacked Noncurrent Loans $3.56 million Real Estate Owned $867,000 Profit Margin - Quarterly Net Interest Margin 3.52% Return on Assets 0.33% Return on Equity 3.48% Interest Income $902,000

Institution Health Overall Score: 2 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 The Bank of Kaukauna had $10.17 million in non-current loans and owned real-estate with $10.7 million in equity and loan loss allowances on hand to cover it. This gives The Bank of Kaukauna a Texas Ratio of 95.06% which is poor. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for The Bank of Kaukauna increased slightly from 34.79% as of March 31, 2011 to 95.06% as of March 31, 2012, resulting in a negative change of 173.23%. This indicates that the balance sheet and financial strength for The Bank of Kaukauna has declined slightly in recent periods. Deposit Growth In the past year, The Bank of Kaukauna has decreased its total deposits by -$12.99 million, resulting in -15.8% 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 The Bank of Kaukauna has shown is poor. 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. The Bank of Kaukauna has $84.8 million in assets with $10.7 million in equity, resulting in a capitalization level of 12.61%, which is excellent.

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