The Farmers State Bank of Waupaca

The Farmers State Bank of Waupaca is headquartered in Waupaca and is the 116^st largest bank in the state of Wisconsin. It is also the 3,362^nd largest bank in the nation. It was established in 1911 and as of March of 2012, it had grown to 38 employees at 4 locations. The Farmers State Bank of Waupaca has a 5-star health rating.

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Data for Q1 2012

Institution Statistics The Farmers State Bank of Waupaca FDIC Certificate # 13033 BankRate Report View Year Established 1911 Employees 38 Primary Regulator FED Assets and Liabilities Assets $181.69 million Loans $110.27 million Deposits $146.93 million Equity Capital $26.59 million Loan Loss Allowance $2.07 million Unbacked Noncurrent Loans $906,000 Real Estate Owned $333,000 Historic Data - March 2011 Assets $184.00 million Equity Capital $24.78 million Loan Loss Allowance $1.48 million Unbacked Noncurrent Loans $1.74 million Real Estate Owned $1.81 million Profit Margin - Quarterly Net Interest Margin 4.78% Return on Assets 1.33% Return on Equity 9.37% Interest Income $2.34 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 The Farmers State Bank of Waupaca had $1.24 million in non-current loans and owned real-estate with $28.67 million in equity and loan loss allowances on hand to cover it. This gives The Farmers State Bank of Waupaca a Texas Ratio of 4.32% 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 The Farmers State Bank of Waupaca decreased significantly from 13.51% as of March 31, 2011 to 4.32% as of March 31, 2012, resulting in a positive change of 68.01%.This indicates that the balance sheet and financial strength for The Farmers State Bank of Waupaca has improved significantly in recent periods. Deposit Growth In the past year, The Farmers State Bank of Waupaca has decreased its total deposits by -$2.76 million, resulting in -1.85% 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 Farmers State Bank of Waupaca has shown is below 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. The Farmers State Bank of Waupaca has $181.69 million in assets with $28.67 million in equity, resulting in a capitalization level of 15.78%, which is excellent.

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