Waukesha State Bank

Waukesha State Bank is headquartered in Waukesha and is the 17^st largest bank in the state of Wisconsin. It is also the 838^th largest bank in the nation. It was established in 1944 and as of March of 2012, it had grown to 253 employees at 19 locations. Waukesha State Bank has a 4-star health rating.

Waukesha State Bank Routing Number: 075901341

Data for Q1 2012

Institution Statistics Waukesha State Bank FDIC Certificate # 16160 BankRate Report View Year Established 1944 Employees 253 Primary Regulator FDIC Assets and Liabilities Assets $788.78 million Loans $407.72 million Deposits $646.92 million Equity Capital $101.80 million Loan Loss Allowance $6.30 million Unbacked Noncurrent Loans $3.11 million Real Estate Owned $20.99 million Historic Data - March 2011 Assets $802.08 million Equity Capital $97.67 million Loan Loss Allowance $7.50 million Unbacked Noncurrent Loans $16.61 million Real Estate Owned $13.91 million Profit Margin - Quarterly Net Interest Margin 3.7% Return on Assets 0.31% Return on Equity 2.39% Interest Income $6.64 million

Institution Health Overall Score: 4 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 Waukesha State Bank had $24.1 million in non-current loans and owned real-estate with $108.1 million in equity and loan loss allowances on hand to cover it. This gives Waukesha State Bank a Texas Ratio of 22.29% 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 Waukesha State Bank decreased slightly from 29.25% as of March 31, 2011 to 22.29% as of March 31, 2012, resulting in a positive change of 23.79%.This indicates that the balance sheet and financial strength for Waukesha State Bank has improved slightly in recent periods. Deposit Growth In the past year, Waukesha State Bank has increased its total deposits by $11.11 million, resulting in 1.75% 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 Waukesha State Bank has shown is above 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. Waukesha State Bank has $788.78 million in assets with $108.1 million in equity, resulting in a capitalization level of 13.71%, which is excellent.

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