McFarland State Bank

McFarland State Bank is headquartered in Mc Farland and is the 42^nd largest bank in the state of Wisconsin. It is also the 1,460^th largest bank in the nation. It was established in 1905 and as of March of 2012, it had grown to 88 employees at 7 locations. McFarland State Bank has a 2-star health rating.

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Data for Q1 2012

Institution Statistics McFarland State Bank FDIC Certificate # 2476 BankRate Report View Year Established 1905 Employees 88 Primary Regulator FDIC Assets and Liabilities Assets $456.63 million Loans $371.74 million Deposits $332.01 million Equity Capital $62.75 million Loan Loss Allowance $9.86 million Unbacked Noncurrent Loans $38.95 million Real Estate Owned $6.41 million Historic Data - March 2011 Assets $501.21 million Equity Capital $49.96 million Loan Loss Allowance $12.71 million Unbacked Noncurrent Loans $19.02 million Real Estate Owned $1.01 million Profit Margin - Quarterly Net Interest Margin 3.5% Return on Assets 1.36% Return on Equity 10.17% Interest Income $5.53 million

Institution Health Overall Score: 2 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 McFarland State Bank had $45.36 million in non-current loans and owned real-estate with $72.6 million in equity and loan loss allowances on hand to cover it. This gives McFarland State Bank a Texas Ratio of 62.47% 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 McFarland State Bank increased slightly from 31.95% as of March 31, 2011 to 62.47% as of March 31, 2012, resulting in a negative change of 95.52%. This indicates that the balance sheet and financial strength for McFarland State Bank has declined slightly in recent periods. Deposit Growth In the past year, McFarland State Bank has decreased its total deposits by -$46.36 million, resulting in -12.25% 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 McFarland State Bank has shown is poor. 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. McFarland State Bank has $456.63 million in assets with $72.6 million in equity, resulting in a capitalization level of 15.90%, which is excellent.

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