Marathon Savings Bank

Marathon Savings Bank is headquartered in Wausau and is the 118^st largest bank in the state of Wisconsin. It is also the 3,389^th largest bank in the nation. It was established in 1902 and as of March of 2012, it had grown to 40 employees at 4 locations. Marathon Savings Bank has a 4-star health rating.

Marathon Savings Bank Routing Number: 275970020

Data for Q1 2012

Institution Statistics Marathon Savings Bank FDIC Certificate # 29745 BankRate Report View Year Established 1902 Employees 40 Primary Regulator FDIC Assets and Liabilities Assets $180.14 million Loans $80.61 million Deposits $143.45 million Equity Capital $21.73 million Loan Loss Allowance $1.40 million Unbacked Noncurrent Loans $7.03 million Real Estate Owned $1.34 million Historic Data - March 2011 Assets $173.13 million Equity Capital $20.09 million Loan Loss Allowance $1.18 million Unbacked Noncurrent Loans $6.04 million Real Estate Owned $2.32 million Profit Margin - Quarterly Net Interest Margin 3.49% Return on Assets 0.35% Return on Equity 2.87% Interest Income $2.13 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 Marathon Savings Bank had $8.38 million in non-current loans and owned real-estate with $23.14 million in equity and loan loss allowances on hand to cover it. This gives Marathon Savings Bank a Texas Ratio of 36.20% 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 Marathon Savings Bank held steady from 39.33% as of March 31, 2011 to 36.20% as of March 31, 2012, resulting in a positive change of 7.96%.This indicates that the balance sheet and financial strength for Marathon Savings Bank has held steady in recent periods. Deposit Growth In the past year, Marathon Savings Bank has increased its total deposits by $11.67 million, resulting in 8.85% 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 Marathon Savings 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. Marathon Savings Bank has $180.14 million in assets with $23.14 million in equity, resulting in a capitalization level of 12.84%, which is excellent.

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