The Pineries Bank

The Pineries Bank is headquartered in Stevens Point and is the 227^th largest bank in the state of Wisconsin. It is also the 5,937^th largest bank in the nation. It was established in 1906 and as of March of 2012, it had grown to 13 employees at 2 locations. The Pineries Bank has a 5-star health rating.

The Pineries Bank Routing Number: 075905994

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Data for Q1 2012

Institution Statistics The Pineries Bank FDIC Certificate # 9526 BankRate Report View Year Established 1906 Employees 13 Primary Regulator FDIC Assets and Liabilities Assets $64.68 million Loans $41.98 million Deposits $57.89 million Equity Capital $6.26 million Loan Loss Allowance $670,000 Unbacked Noncurrent Loans $621,000 Real Estate Owned $274,000 Historic Data - March 2011 Assets $59.48 million Equity Capital $5.81 million Loan Loss Allowance $625,000 Unbacked Noncurrent Loans $566,000 Real Estate Owned $348,000 Profit Margin - Quarterly Net Interest Margin 3.94% Return on Assets 1.49% Return on Equity 15.29% Interest Income $679,000

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 Pineries Bank had $895,000 in non-current loans and owned real-estate with $6.93 million in equity and loan loss allowances on hand to cover it. This gives The Pineries Bank a Texas Ratio of 12.91% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for The Pineries Bank decreased slightly from 15.68% as of March 31, 2011 to 12.91% as of March 31, 2012, resulting in a positive change of 17.66%.This indicates that the balance sheet and financial strength for The Pineries Bank has improved slightly in recent periods. Deposit Growth In the past year, The Pineries Bank has increased its total deposits by $4.74 million, resulting in 8.91% 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 Pineries 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 Pineries Bank has $64.68 million in assets with $6.93 million in equity, resulting in a capitalization level of 10.72%, which is above average.

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