West Pointe Bank

West Pointe Bank is headquartered in Oshkosh and is the 53^rd largest bank in the state of Wisconsin. It is also the 1,958^th largest bank in the nation. It was established in 1996 and as of March of 2012, it had grown to 25 employees at 1 location. West Pointe Bank has a 4-star health rating.

West Pointe Bank Routing Number: 075912835

Data for Q1 2012

Institution Statistics West Pointe Bank FDIC Certificate # 34162 BankRate Report View Year Established 1996 Employees 25 Primary Regulator FDIC Assets and Liabilities Assets $332.72 million Loans $267.09 million Deposits $270.22 million Equity Capital $42.47 million Loan Loss Allowance $12.11 million Unbacked Noncurrent Loans $4.22 million Real Estate Owned $903,000 Historic Data - March 2011 Assets $395.98 million Equity Capital $38.55 million Loan Loss Allowance $12.29 million Unbacked Noncurrent Loans $2.64 million Real Estate Owned $298,000 Profit Margin - Quarterly Net Interest Margin 3.74% Return on Assets 1.04% Return on Equity 8.22% Interest Income $3.83 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 West Pointe Bank had $5.12 million in non-current loans and owned real-estate with $54.58 million in equity and loan loss allowances on hand to cover it. This gives West Pointe Bank a Texas Ratio of 9.38% 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 West Pointe Bank held steady from 5.78% as of March 31, 2011 to 9.38% as of March 31, 2012, resulting in a negative change of 62.17%. This indicates that the balance sheet and financial strength for West Pointe Bank has held steady in recent periods. Deposit Growth In the past year, West Pointe Bank has decreased its total deposits by -$59.69 million, resulting in -18.09% 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 West Pointe Bank has shown is poor. 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. West Pointe Bank has $332.72 million in assets with $54.58 million in equity, resulting in a capitalization level of 16.40%, which is excellent.

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