Wolf River Community Bank

Wolf River Community Bank is headquartered in Hortonville and is the 159^th largest bank in the state of Wisconsin. It is also the 4,369^th largest bank in the nation. It was established in 1996 and as of March of 2012, it had grown to 27 employees at 3 locations. Wolf River Community Bank's money market rates are 25% higher than the national average, and it boasts a 5-star health rating.

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Wolf River Community Bank Money Market Rates

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Data for Q1 2012

Institution Statistics Wolf River Community Bank FDIC Certificate # 34240 BankRate Report View Year Established 1996 Employees 27 Primary Regulator FDIC Assets and Liabilities Assets $124.15 million Loans $86.16 million Deposits $92.87 million Equity Capital $15.27 million Loan Loss Allowance $1.74 million Unbacked Noncurrent Loans $764,000 Real Estate Owned $1.15 million Historic Data - March 2011 Assets $116.19 million Equity Capital $13.65 million Loan Loss Allowance $1.52 million Unbacked Noncurrent Loans $696,000 Real Estate Owned $1.97 million Profit Margin - Quarterly Net Interest Margin 3.87% Return on Assets 1.15% Return on Equity 9.48% Interest Income $1.41 million

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 Wolf River Community Bank had $1.91 million in non-current loans and owned real-estate with $17.01 million in equity and loan loss allowances on hand to cover it. This gives Wolf River Community Bank a Texas Ratio of 11.23% 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 Wolf River Community Bank decreased slightly from 17.56% as of March 31, 2011 to 11.23% as of March 31, 2012, resulting in a positive change of 36.08%.This indicates that the balance sheet and financial strength for Wolf River Community Bank has improved slightly in recent periods. Deposit Growth In the past year, Wolf River Community Bank has increased its total deposits by $8.43 million, resulting in 9.98% 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 Wolf River Community 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. Wolf River Community Bank has $124.15 million in assets with $17.01 million in equity, resulting in a capitalization level of 13.70%, which is excellent.

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