The Greenwood's State Bank

The Greenwood's State Bank is headquartered in Lake Mills and is the 232^nd largest bank in the state of Wisconsin. It is also the 6,032^nd largest bank in the nation. It was established in 1883 and as of March of 2012, it had grown to 15 employees at 3 locations. The Greenwood's State Bank has a 3-star health rating.

Data for Q1 2012

Institution Statistics The Greenwood's State Bank FDIC Certificate # 11623 BankRate Report View Year Established 1883 Employees 15 Primary Regulator FDIC Assets and Liabilities Assets $61.51 million Loans $44.86 million Deposits $50.37 million Equity Capital $7.41 million Loan Loss Allowance $512,000 Unbacked Noncurrent Loans $879,000 Real Estate Owned $1.11 million Historic Data - March 2011 Assets $62.23 million Equity Capital $7.03 million Loan Loss Allowance $1.17 million Unbacked Noncurrent Loans $1.46 million Real Estate Owned $194,000 Profit Margin - Quarterly Net Interest Margin 4.28% Return on Assets 0.75% Return on Equity 6.27% Interest Income $689,000

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 Greenwood's State Bank had $1.99 million in non-current loans and owned real-estate with $7.92 million in equity and loan loss allowances on hand to cover it. This gives The Greenwood's State Bank a Texas Ratio of 25.12% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for The Greenwood's State Bank held steady from 20.22% as of March 31, 2011 to 25.12% as of March 31, 2012, resulting in a negative change of 24.19%. This indicates that the balance sheet and financial strength for The Greenwood's State Bank has held steady in recent periods. Deposit Growth In the past year, The Greenwood's State Bank has decreased its total deposits by $-912,000, resulting in -1.78% 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 Greenwood's State Bank 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 Greenwood's State Bank has $61.51 million in assets with $7.92 million in equity, resulting in a capitalization level of 12.87%, which is excellent.

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