Forward Financial Bank SSB

Forward Financial Bank SSB is headquartered in Marshfield and is the 78^th largest bank in the state of Wisconsin. It is also the 2,427^th largest bank in the nation. It was established in 1919 and as of March of 2012, it had grown to 85 employees at 7 locations. Forward Financial Bank SSB has a 4-star health rating.

Forward Financial Bank SSB Routing Number: 075907235

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Data for Q1 2012

Institution Statistics Forward Financial Bank SSB FDIC Certificate # 28530 BankRate Report View Year Established 1919 Employees 85 Primary Regulator FDIC Assets and Liabilities Assets $265.54 million Loans $198.90 million Deposits $204.04 million Equity Capital $29.88 million Loan Loss Allowance $2.46 million Unbacked Noncurrent Loans $3.42 million Real Estate Owned $772,000 Historic Data - March 2011 Assets $264.20 million Equity Capital $29.04 million Loan Loss Allowance $2.27 million Unbacked Noncurrent Loans $4.69 million Real Estate Owned $1.02 million Profit Margin - Quarterly Net Interest Margin 3.98% Return on Assets 0.35% Return on Equity 3.12% Interest Income $2.86 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 Forward Financial Bank SSB had $4.19 million in non-current loans and owned real-estate with $32.34 million in equity and loan loss allowances on hand to cover it. This gives Forward Financial Bank SSB a Texas Ratio of 12.97% 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 Forward Financial Bank SSB decreased slightly from 17.21% as of March 31, 2011 to 12.97% as of March 31, 2012, resulting in a positive change of 24.66%.This indicates that the balance sheet and financial strength for Forward Financial Bank SSB has improved slightly in recent periods. Deposit Growth In the past year, Forward Financial Bank SSB has decreased its total deposits by $-993,000, resulting in -0.48% 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 Forward Financial Bank SSB 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. Forward Financial Bank SSB has $265.54 million in assets with $32.34 million in equity, resulting in a capitalization level of 12.18%, which is excellent.

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