Spring Bank

Spring Bank is headquartered in Brookfield and is the 148^th largest bank in the state of Wisconsin. It is also the 4,002^nd largest bank in the nation. It was established in 2008 and as of March of 2012, it had grown to 16 employees at 1 location. Spring Bank has a 5-star health rating.

Spring Bank Routing Number: 075918334

Data for Q1 2012

Institution Statistics Spring Bank FDIC Certificate # 58780 BankRate Report View Year Established 2008 Employees 16 Primary Regulator FDIC Assets and Liabilities Assets $142.98 million Loans $106.96 million Deposits $125.31 million Equity Capital $17.28 million Loan Loss Allowance $1.87 million Unbacked Noncurrent Loans $1.89 million Real Estate Owned $50,000 Historic Data - March 2011 Assets $122.03 million Equity Capital $12.15 million Loan Loss Allowance $1.44 million Unbacked Noncurrent Loans $1.48 million Profit Margin - Quarterly Net Interest Margin 3.98% Return on Assets 0.97% Return on Equity 8.77% Interest Income $1.65 million

Institution Health Overall Score: 5 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 Spring Bank had $1.94 million in non-current loans and owned real-estate with $19.15 million in equity and loan loss allowances on hand to cover it. This gives Spring Bank a Texas Ratio of 10.12% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Spring Bank held steady from 10.90% as of March 31, 2011 to 10.12% as of March 31, 2012, resulting in a positive change of 7.14%.This indicates that the balance sheet and financial strength for Spring Bank has held steady in recent periods. Deposit Growth In the past year, Spring Bank has increased its total deposits by $15.89 million, resulting in 14.52% 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 Spring 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. Spring Bank has $142.98 million in assets with $19.15 million in equity, resulting in a capitalization level of 13.39%, which is excellent.

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