The Bank of Brodhead

The Bank of Brodhead is headquartered in Brodhead and is the 156^th largest bank in the state of Wisconsin. It is also the 4,259^th largest bank in the nation. It was established in 1896 and as of March of 2012, it had grown to 31 employees at 1 location. The Bank of Brodhead's savings rates are 15% higher than the national average, and it boasts a 5-star health rating.

The Bank of Brodhead Checking Account Rates

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Data for Q1 2012

Institution Statistics The Bank of Brodhead FDIC Certificate # 2455 BankRate Report View Year Established 1896 Employees 31 Primary Regulator FED Assets and Liabilities Assets $129.51 million Loans $59.86 million Deposits $106.02 million Equity Capital $17.25 million Loan Loss Allowance $830,000 Unbacked Noncurrent Loans $88,000 Historic Data - March 2011 Assets $120.03 million Equity Capital $16.03 million Loan Loss Allowance $737,000 Unbacked Noncurrent Loans $35,000 Profit Margin - Quarterly Net Interest Margin 3.38% Return on Assets 0.88% Return on Equity 6.62% Interest Income $1.41 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 The Bank of Brodhead had $88,000 in non-current loans and owned real-estate with $18.08 million in equity and loan loss allowances on hand to cover it. This gives The Bank of Brodhead a Texas Ratio of 0.49% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for The Bank of Brodhead decreased significantly from (infinite) as of March 31, 2011 to 0.49% as of March 31, 2012, resulting in a positive change of (infinite). This indicates that the balance sheet and financial strength for The Bank of Brodhead has improved significantly in recent periods. Deposit Growth In the past year, The Bank of Brodhead has increased its total deposits by $7.54 million, resulting in 7.66% 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 The Bank of Brodhead 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. The Bank of Brodhead has $129.51 million in assets with $18.08 million in equity, resulting in a capitalization level of 13.96%, which is excellent.

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