The National Bank of Waupun

The National Bank of Waupun is headquartered in Waupun and is the 158^th largest bank in the state of Wisconsin. It is also the 4,286^th largest bank in the nation. It was established in 1905 and as of March of 2012, it had grown to 27 employees at 4 locations. The National Bank of Waupun has a 3-star health rating.

Data for Q1 2012

Institution Statistics The National Bank of Waupun FDIC Certificate # 5331 BankRate Report View Year Established 1905 Employees 27 Primary Regulator OCC Assets and Liabilities Assets $128.50 million Loans $78.03 million Deposits $115.65 million Equity Capital $12.56 million Loan Loss Allowance $1.38 million Unbacked Noncurrent Loans $6.41 million Real Estate Owned $2.24 million Historic Data - March 2011 Assets $120.53 million Equity Capital $11.42 million Loan Loss Allowance $1.00 million Unbacked Noncurrent Loans $6.99 million Real Estate Owned $1.90 million Profit Margin - Quarterly Net Interest Margin 3.85% Return on Assets 0.87% Return on Equity 9.09% Interest Income $1.31 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 March 31, 2012 The National Bank of Waupun had $8.65 million in non-current loans and owned real-estate with $13.94 million in equity and loan loss allowances on hand to cover it. This gives The National Bank of Waupun a Texas Ratio of 62.08% 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 National Bank of Waupun held steady from 71.58% as of March 31, 2011 to 62.08% as of March 31, 2012, resulting in a positive change of 13.27%.This indicates that the balance sheet and financial strength for The National Bank of Waupun has held steady in recent periods. Deposit Growth In the past year, The National Bank of Waupun has increased its total deposits by $7.05 million, resulting in 6.5% 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 National Bank of Waupun 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 National Bank of Waupun has $128.5 million in assets with $13.94 million in equity, resulting in a capitalization level of 10.85%, which is above average.

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