Bank Mutual

Bank Mutual is headquartered in Brown Deer and is the 4^th largest bank in the state of Wisconsin. It is also the 278^th largest bank in the nation. It was established in 1940 and as of December of 2011, it had grown to 684 employees at 79 locations. Bank Mutual has a 3-star health rating.

Bank Mutual Routing Number: 275071330

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Data for Q4 2011

Institution Statistics Bank Mutual OTS # 17079 FDIC Certificate # 30125 BankRate Report View Year Established 1940 Employees 684 Primary Regulator OCC Assets and Liabilities Assets $2.50 billion Loans $1.34 billion Deposits $2.05 billion Equity Capital $262.00 million Loan Loss Allowance $27.93 million Unbacked Noncurrent Loans $75.14 million Real Estate Owned $30.18 million Historic Data - December 2010 Assets $2.59 billion Equity Capital $308.35 million Loan Loss Allowance $47.99 million Unbacked Noncurrent Loans $122.95 million Real Estate Owned $24.84 million Profit Margin - Quarterly Net Interest Margin 2.84% Return on Assets -1.87% Return on Equity -16.73% Interest Income $89.14 million

Institution Health Overall Score: 3 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 December 31, 2011 Bank Mutual had $105.32 million in non-current loans and owned real-estate with $289.93 million in equity and loan loss allowances on hand to cover it. This gives Bank Mutual a Texas Ratio of 36.32% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Bank Mutual held steady from 41.47% as of December 31, 2010 to 36.32% as of December 31, 2011, resulting in a positive change of 12.41%.This indicates that the balance sheet and financial strength for Bank Mutual has held steady in recent periods. Deposit Growth In the past year, Bank Mutual has decreased its total deposits by -$59.77 million, resulting in -2.84% 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 Bank Mutual has shown is below 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. Bank Mutual has $2.5 billion in assets with $289.93 million in equity, resulting in a capitalization level of 11.61%, which is above average.