Charter Bank Eau Claire

Charter Bank Eau Claire is headquartered in Eau Claire and is the 34^th largest bank in the state of Wisconsin. It is also the 1,241^st largest bank in the nation. It was established in 1980 and as of March of 2012, it had grown to 55 employees at 1 location. Charter Bank Eau Claire's savings rates are 3X the national average, and it has a 4-star health rating.

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Data for Q1 2012

Institution Statistics Charter Bank Eau Claire FDIC Certificate # 23137 BankRate Report View Year Established 1980 Employees 55 Primary Regulator FDIC Assets and Liabilities Assets $545.96 million Loans $343.52 million Deposits $433.48 million Equity Capital $77.76 million Loan Loss Allowance $11.39 million Unbacked Noncurrent Loans $5.99 million Real Estate Owned $2.26 million Historic Data - March 2011 Assets $536.29 million Equity Capital $66.56 million Loan Loss Allowance $9.34 million Unbacked Noncurrent Loans $9.29 million Real Estate Owned $1.49 million Profit Margin - Quarterly Net Interest Margin 4.68% Return on Assets 2.4% Return on Equity 17.05% Interest Income $7.06 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 Charter Bank Eau Claire had $8.26 million in non-current loans and owned real-estate with $89.15 million in equity and loan loss allowances on hand to cover it. This gives Charter Bank Eau Claire a Texas Ratio of 9.26% 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 Charter Bank Eau Claire decreased slightly from 13.83% as of March 31, 2011 to 9.26% as of March 31, 2012, resulting in a positive change of 33.05%.This indicates that the balance sheet and financial strength for Charter Bank Eau Claire has improved slightly in recent periods. Deposit Growth In the past year, Charter Bank Eau Claire has decreased its total deposits by -$2 million, resulting in -0.46% 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 Charter Bank Eau Claire has shown is 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. Charter Bank Eau Claire has $545.96 million in assets with $89.15 million in equity, resulting in a capitalization level of 16.33%, which is excellent.

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