Time Federal Savings Bank

Time Federal Savings Bank is headquartered in Medford and is the 28^th largest bank in the state of Wisconsin. It is also the 1,085^th largest bank in the nation. It was established in 1935 and as of March of 2012, it had grown to 68 employees at 5 locations. Time Federal Savings Bank has a 5-star health rating.

Time Federal Savings Bank Routing Number: 291571270

Data for Q1 2012

Institution Statistics Time Federal Savings Bank OTS # 03235 FDIC Certificate # 29294 BankRate Report View Year Established 1935 Employees 68 Primary Regulator OCC Assets and Liabilities Assets $616.66 million Loans $371.66 million Deposits $510.69 million Equity Capital $104.82 million Loan Loss Allowance $800,000 Unbacked Noncurrent Loans $1.01 million Historic Data - March 2011 Assets $595.11 million Equity Capital $97.00 million Loan Loss Allowance $600,000 Unbacked Noncurrent Loans $860,000 Real Estate Owned $230,000 Profit Margin - Quarterly Net Interest Margin 3.22% Return on Assets 1.31% Return on Equity 7.73% Interest Income $6.15 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 Time Federal Savings Bank had $1.01 million in non-current loans and owned real-estate with $105.62 million in equity and loan loss allowances on hand to cover it. This gives Time Federal Savings Bank a Texas Ratio of 0.96% 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 Time Federal Savings Bank held steady from 1.12% as of March 31, 2011 to 0.96% as of March 31, 2012, resulting in a positive change of 14.37%.This indicates that the balance sheet and financial strength for Time Federal Savings Bank has held steady in recent periods. Deposit Growth In the past year, Time Federal Savings Bank has increased its total deposits by $13.72 million, resulting in 2.76% 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 Time Federal Savings Bank has shown is above 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. Time Federal Savings Bank has $616.66 million in assets with $105.62 million in equity, resulting in a capitalization level of 17.13%, which is excellent.

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