Markesan State Bank

Markesan State Bank is headquartered in Markesan and is the 150^th largest bank in the state of Wisconsin. It is also the 4,019^st largest bank in the nation. It was established in 1891 and as of March of 2012, it had grown to 33 employees at 4 locations. Markesan State Bank's savings rates are 92% higher than the national average, and it has a 4-star health rating.

Markesan State Bank Routing Number: 075903750

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Data for Q1 2012

Institution Statistics Markesan State Bank FDIC Certificate # 1517 BankRate Report View Year Established 1891 Employees 33 Primary Regulator FED Assets and Liabilities Assets $141.68 million Loans $108.91 million Deposits $120.49 million Equity Capital $15.96 million Loan Loss Allowance $1.06 million Unbacked Noncurrent Loans $1.27 million Real Estate Owned $1.47 million Historic Data - March 2011 Assets $128.33 million Equity Capital $15.01 million Loan Loss Allowance $823,000 Unbacked Noncurrent Loans $2.47 million Real Estate Owned $406,000 Profit Margin - Quarterly Net Interest Margin 4.81% Return on Assets 1.1% Return on Equity 9.75% Interest Income $1.87 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 Markesan State Bank had $2.74 million in non-current loans and owned real-estate with $17.02 million in equity and loan loss allowances on hand to cover it. This gives Markesan State Bank a Texas Ratio of 16.08% 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 Markesan State Bank held steady from 18.19% as of March 31, 2011 to 16.08% as of March 31, 2012, resulting in a positive change of 11.58%.This indicates that the balance sheet and financial strength for Markesan State Bank has held steady in recent periods. Deposit Growth In the past year, Markesan State Bank has increased its total deposits by $12.21 million, resulting in 11.28% 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 Markesan 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. Markesan State Bank has $141.68 million in assets with $17.02 million in equity, resulting in a capitalization level of 12.01%, which is excellent.

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