Union State Bank of West Salem

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Overview / Commentary

www.usbwestsalem.com

608-786-0600

120 South Mill Street
West Salem, WI 54669

Union State Bank of West Salem is headquartered in West Salem and is the 188^th largest bank in the state of Wisconsin. It is also the 4,689^th largest bank in the nation. It was established in 1903 and as of March of 2017, it had grown to 16 employees at 2 locations. Union State Bank of West Salem has a B health rating.

Today’s La Crosse Tribune ad: Ultimate Checking at Union State Bank If your daily balance is $15,000 or less, the interest rate paid on the entire balance in your account will be 2.00% with an annual percentage yield of 2.02%, if you qualify Qualifications to receive 2.02% APY include: * One direct deposit post per monthly statement cycle * Have 10 POS Purchases with your debit card post to your account per monthly cycle * Sign in to Internet Banking once during the monthly statement cycle * Receive eStatements * Use Bill Pay one time during the monthly statement cycle If you do not meet the qualifications, the rate you will receive is 0.10%.

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Health

B

Data as of Q1 2017

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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on equity can represent an instability risk beyond what their financial ratios indicate. Union State Bank of West Salem has a relatively low asset base.

Health Grade Components

Overall
FDIC Certificate #	14560
Year Established	1903
Employees	16
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	0.45%
Return on Equity - YTD	4.06%
Annual Interest Income	$778.00K

Assets and Liabilities
Assets	Q1 2017vs Q1 2016	$81.0MM$70.7MM
Loans	Q1 2017vs Q1 2016	$62.9MM$55.5MM
Deposits	Q1 2017vs Q1 2016	$65.5MM$59.0MM
Equity Capital	Q1 2017vs Q1 2016	$9.2MM$9.0MM
Loan Loss Allowance	Q1 2017vs Q1 2016	$603.00K$460.00K
Unbacked Noncurrent Loans	Q1 2017vs Q1 2016	$1.5MM$199.00K
Real Estate Owned	Q1 2017vs Q1 2016	$156.00K$156.00K

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.