Securant Bank & Trust

Securant Bank & Trust is headquartered in Menomonee Falls and is the 98^th largest bank in the state of Wisconsin. It is also the 2,913^st largest bank in the nation. It was established in 1914 and as of March of 2012, it had grown to 50 employees at 5 locations. Securant Bank & Trust has a 1-star health rating.

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Data for Q1 2012

Institution Statistics Securant Bank & Trust FDIC Certificate # 12515 BankRate Report View Year Established 1914 Employees 50 Primary Regulator FDIC Assets and Liabilities Assets $218.93 million Loans $164.77 million Deposits $191.46 million Equity Capital $13.26 million Loan Loss Allowance $6.58 million Unbacked Noncurrent Loans $13.12 million Real Estate Owned $7.46 million Historic Data - March 2011 Assets $249.68 million Equity Capital $19.80 million Loan Loss Allowance $6.19 million Unbacked Noncurrent Loans $12.46 million Real Estate Owned $3.68 million Profit Margin - Quarterly Net Interest Margin 3.44% Return on Assets -0.61% Return on Equity -10.13% Interest Income $2.36 million

Institution Health Overall Score: 1 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 Securant Bank & Trust had $20.58 million in non-current loans and owned real-estate with $19.84 million in equity and loan loss allowances on hand to cover it. This gives Securant Bank & Trust a Texas Ratio of 103.75% which is poor. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Securant Bank & Trust increased slightly from 62.11% as of March 31, 2011 to 103.75% as of March 31, 2012, resulting in a negative change of 67.05%. This indicates that the balance sheet and financial strength for Securant Bank & Trust has declined slightly in recent periods. Deposit Growth In the past year, Securant Bank & Trust has decreased its total deposits by -$23.48 million, resulting in -10.92% 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 Securant Bank & Trust 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. Securant Bank & Trust has $218.93 million in assets with $19.84 million in equity, resulting in a capitalization level of 9.06%, which is average.

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