The Equitable Bank, S.S.B.

The Equitable Bank, S.S.B. is headquartered in Wauwatosa and is the 49^th largest bank in the state of Wisconsin. It is also the 1,659^th largest bank in the nation. It was established in 1927 and as of March of 2012, it had grown to 114 employees at 9 locations. The Equitable Bank, S.S.B. has a 1-star health rating.

The Equitable Bank, S.S.B. Checking Account Rates

The Equitable Bank, S.S.B. Savings Account Rates

The Equitable Bank, S.S.B. Money Market Rates

Data for Q1 2012

Institution Statistics The Equitable Bank, S.S.B. FDIC Certificate # 28614 BankRate Report View Year Established 1927 Employees 114 Primary Regulator FDIC Assets and Liabilities Assets $401.87 million Loans $321.57 million Deposits $375.95 million Equity Capital $22.01 million Loan Loss Allowance $4.80 million Unbacked Noncurrent Loans $19.16 million Real Estate Owned $17.10 million Historic Data - March 2011 Assets $434.13 million Equity Capital $34.04 million Loan Loss Allowance $5.85 million Unbacked Noncurrent Loans $17.12 million Real Estate Owned $15.70 million Profit Margin - Quarterly Net Interest Margin 3.66% Return on Assets 0.48% Return on Equity 8.88% Interest Income $4.01 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 The Equitable Bank, S.S.B. had $36.25 million in non-current loans and owned real-estate with $26.81 million in equity and loan loss allowances on hand to cover it. This gives The Equitable Bank, S.S.B. a Texas Ratio of 135.21% 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 The Equitable Bank, S.S.B. increased slightly from 82.28% as of March 31, 2011 to 135.21% as of March 31, 2012, resulting in a negative change of 64.33%. This indicates that the balance sheet and financial strength for The Equitable Bank, S.S.B. has declined slightly in recent periods. Deposit Growth In the past year, The Equitable Bank, S.S.B. has decreased its total deposits by -$20.69 million, resulting in -5.22% 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 Equitable Bank, S.S.B. 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. The Equitable Bank, S.S.B. has $401.87 million in assets with $26.81 million in equity, resulting in a capitalization level of 6.67%, which is below average.

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