Mutual Savings Bank

Mutual Savings Bank is headquartered in Franklin and is the 98^th largest bank in the state of Indiana. It is also the 4,389^th largest bank in the nation. It was established in 1890 and as of March of 2012, it had grown to 42 employees at 6 locations. Mutual Savings Bank has a 3-star health rating.

Mutual Savings Bank Routing Number: 274970267

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Data for Q1 2012

Institution Statistics Mutual Savings Bank FDIC Certificate # 27742 BankRate Report View Year Established 1890 Employees 42 Primary Regulator FDIC Assets and Liabilities Assets $123.48 million Loans $95.79 million Deposits $92.44 million Equity Capital $14.25 million Loan Loss Allowance $2.56 million Unbacked Noncurrent Loans $3.29 million Real Estate Owned $869,000 Historic Data - March 2011 Assets $123.78 million Equity Capital $13.89 million Loan Loss Allowance $3.60 million Unbacked Noncurrent Loans $450,000 Real Estate Owned $1.19 million Profit Margin - Quarterly Net Interest Margin 3.97% Return on Assets 0.42% Return on Equity 3.61% Interest Income $1.33 million

Institution Health Overall Score: 3 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 Mutual Savings Bank had $4.16 million in non-current loans and owned real-estate with $16.81 million in equity and loan loss allowances on hand to cover it. This gives Mutual Savings Bank a Texas Ratio of 24.73% 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 Mutual Savings Bank increased slightly from 9.38% as of March 31, 2011 to 24.73% as of March 31, 2012, resulting in a negative change of 163.69%. This indicates that the balance sheet and financial strength for Mutual Savings Bank has declined slightly in recent periods. Deposit Growth In the past year, Mutual Savings Bank has decreased its total deposits by -$2.15 million, resulting in -2.28% 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 Mutual Savings Bank has shown is below 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. Mutual Savings Bank has $123.48 million in assets with $16.81 million in equity, resulting in a capitalization level of 13.61%, which is excellent.

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