The Bank of New Glarus

The Bank of New Glarus is headquartered in New Glarus and is the 104^th largest bank in the state of Wisconsin. It is also the 2,966^th largest bank in the nation. It was established in 1893 and as of December of 2012, it had grown to 51 employees at 6 locations. The Bank of New Glarus has a 4-star health rating.

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Data for Q4 2012

Institution Statistics The Bank of New Glarus FDIC Certificate # 10378 BankRate Report View Year Established 1893 Employees 51 Primary Regulator FDIC Assets and Liabilities Assets $210.51 million Loans $144.89 million Deposits $169.97 million Equity Capital $21.96 million Loan Loss Allowance $2.97 million Unbacked Noncurrent Loans $2.42 million Real Estate Owned $188,000 Historic Data - December 2011 Assets $210.33 million Equity Capital $20.78 million Loan Loss Allowance $2.87 million Unbacked Noncurrent Loans $3.59 million Real Estate Owned $234,000 Profit Margin - Quarterly Net Interest Margin 4.11% Return on Assets 1.03% Return on Equity 9.98% Interest Income $9.32 million

Institution Health Overall Score: 4 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 December 31, 2012 The Bank of New Glarus had $2.61 million in non-current loans and owned real-estate with $24.93 million in equity and loan loss allowances on hand to cover it. This gives The Bank of New Glarus a Texas Ratio of 10.47% 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 The Bank of New Glarus decreased slightly from 16.18% as of December 31, 2011 to 10.47% as of December 31, 2012, resulting in a positive change of 35.29%.This indicates that the balance sheet and financial strength for The Bank of New Glarus has improved slightly in recent periods. Deposit Growth In the past year, The Bank of New Glarus has decreased its total deposits by -$4.5 million, resulting in -2.58% 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 New Glarus 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. The Bank of New Glarus has $210.51 million in assets with $24.93 million in equity, resulting in a capitalization level of 11.84%, which is above average.

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