Grand Marsh State Bank

Grand Marsh State Bank is headquartered in Grand Marsh and is the 157^th largest bank in the state of Wisconsin. It is also the 4,284^th largest bank in the nation. It was established in 1915 and as of March of 2012, it had grown to 23 employees at 3 locations. Grand Marsh State Bank has a 4-star health rating.

Grand Marsh State Bank Routing Number: 075908616

Data for Q1 2012

Institution Statistics Grand Marsh State Bank FDIC Certificate # 15185 BankRate Report View Year Established 1915 Employees 23 Primary Regulator FDIC Assets and Liabilities Assets $128.60 million Loans $58.66 million Deposits $111.37 million Equity Capital $17.07 million Loan Loss Allowance $852,000 Unbacked Noncurrent Loans $2.26 million Real Estate Owned $852,000 Historic Data - March 2011 Assets $122.67 million Equity Capital $18.74 million Loan Loss Allowance $739,000 Unbacked Noncurrent Loans $1.31 million Real Estate Owned $1.11 million Profit Margin - Quarterly Net Interest Margin 2.97% Return on Assets 1.01% Return on Equity 7.57% Interest Income $1.07 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 Grand Marsh State Bank had $3.11 million in non-current loans and owned real-estate with $17.92 million in equity and loan loss allowances on hand to cover it. This gives Grand Marsh State Bank a Texas Ratio of 17.37% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Grand Marsh State Bank held steady from 12.41% as of March 31, 2011 to 17.37% as of March 31, 2012, resulting in a negative change of 39.99%. This indicates that the balance sheet and financial strength for Grand Marsh State Bank has held steady in recent periods. Deposit Growth In the past year, Grand Marsh State Bank has increased its total deposits by $7.59 million, resulting in 7.32% 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 Grand Marsh State Bank has shown is excellent. 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. Grand Marsh State Bank has $128.6 million in assets with $17.92 million in equity, resulting in a capitalization level of 13.94%, which is excellent.

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