Wisconsin banks had a 10.3 percent average capital ratio, which surpassed the average national 9.17 percent rate. Capital ratios are on the rise nationwide as the industry works to defend itself against loan losses, according to the Wisconsin Bankers Association.
With 87 percent of Wisconsin banks currently profitable, the state also beat the national average in number of profitable banks. Net income increased 27.8 percent statewide from the third to the fourth quarter of 2011.
Wisconsin banks' loan to deposit ratio stayed flat at 86.3 percent, above the national average of 73.3 percent.
According to the WBA, Wisconsin institutions lent more money in the fourth quarter than those in other states, with total noncurrent loans to total loan ratios down slightly.
"We see clear signs that the industry stability is continuing," said Rose Oswald Poels, president and CEO of the Wisconsin Bankers Association. "Improved capital ratios and consistent net interest margins show us that Wisconsin's banks remain dependable."