The Benton State Bank

The Benton State Bank is headquartered in Benton and is the 241^st largest bank in the state of Wisconsin. It is also the 6,254^th largest bank in the nation. It was established in 1894 and as of March of 2012, it had grown to 23 employees at 3 locations. The Benton State Bank has a 3-star health rating.

The Benton State Bank Routing Number: 075904513

The Benton State Bank Checking Account Rates

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The Benton State Bank CD Rates

Data for Q1 2012

Institution Statistics The Benton State Bank FDIC Certificate # 14316 BankRate Report View Year Established 1894 Employees 23 Primary Regulator FDIC Assets and Liabilities Assets $53.71 million Loans $44.57 million Deposits $46.55 million Equity Capital $4.33 million Loan Loss Allowance $396,000 Unbacked Noncurrent Loans $287,000 Real Estate Owned $1.16 million Historic Data - March 2011 Assets $49.84 million Equity Capital $4.15 million Loan Loss Allowance $268,000 Unbacked Noncurrent Loans $503,000 Real Estate Owned $982,000 Profit Margin - Quarterly Net Interest Margin 4.99% Return on Assets 0.53% Return on Equity 6.59% Interest Income $827,000

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 March 31, 2012 The Benton State Bank had $1.45 million in non-current loans and owned real-estate with $4.73 million in equity and loan loss allowances on hand to cover it. This gives The Benton State Bank a Texas Ratio of 30.60% 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 The Benton State Bank held steady from 33.64% as of March 31, 2011 to 30.60% as of March 31, 2012, resulting in a positive change of 9.01%.This indicates that the balance sheet and financial strength for The Benton State Bank has held steady in recent periods. Deposit Growth In the past year, The Benton State Bank has increased its total deposits by $3.34 million, resulting in 7.74% 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 Benton 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. The Benton State Bank has $53.71 million in assets with $4.73 million in equity, resulting in a capitalization level of 8.80%, which is average.

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