Clare Bank, National Association

Clare Bank, National Association is headquartered in Platteville and is the 76^th largest bank in the state of Wisconsin. It is also the 2,399^th largest bank in the nation. It was established in 1905 and as of March of 2012, it had grown to 32 employees at 8 locations. Clare Bank, National Association's money market rates are 2X the national average, and it boasts a 5-star health rating.

Clare Bank, National Association Checking Account Rates

Clare Bank, National Association Savings Account Rates

Clare Bank, National Association Money Market Rates

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Clare Bank, National Association IRA Rates

Data for Q1 2012

Institution Statistics Clare Bank, National Association FDIC Certificate # 1022 BankRate Report View Year Established 1905 Employees 32 Primary Regulator OCC Assets and Liabilities Assets $268.63 million Loans $161.99 million Deposits $241.16 million Equity Capital $26.28 million Loan Loss Allowance $572,000 Unbacked Noncurrent Loans $721,000 Real Estate Owned $174,000 Historic Data - March 2011 Assets $256.89 million Equity Capital $24.19 million Loan Loss Allowance $611,000 Unbacked Noncurrent Loans $528,000 Real Estate Owned $173,000 Profit Margin - Quarterly Net Interest Margin 2.87% Return on Assets 1.66% Return on Equity 16.64% Interest Income $2.40 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 Clare Bank, National Association had $895,000 in non-current loans and owned real-estate with $26.85 million in equity and loan loss allowances on hand to cover it. This gives Clare Bank, National Association a Texas Ratio of 3.33% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Clare Bank, National Association held steady from 2.59% as of March 31, 2011 to 3.33% as of March 31, 2012, resulting in a negative change of 28.76%. This indicates that the balance sheet and financial strength for Clare Bank, National Association has held steady in recent periods. Deposit Growth In the past year, Clare Bank, National Association has increased its total deposits by $9.6 million, resulting in 4.14% 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 Clare Bank, National Association has shown is above 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. Clare Bank, National Association has $268.63 million in assets with $26.85 million in equity, resulting in a capitalization level of 10.00%, which is average.

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