TSB Bank

TSB Bank is headquartered in Lomira and is the 191^st largest bank in the state of Wisconsin. It is also the 5,109^th largest bank in the nation. It was established in 1905 and as of March of 2012, it had grown to 24 employees at 3 locations. TSB Bank has a 4-star health rating.

TSB Bank Routing Number: 075906948

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Data for Q1 2012

Institution Statistics TSB Bank FDIC Certificate # 17208 BankRate Report View Year Established 1905 Employees 24 Primary Regulator FDIC Assets and Liabilities Assets $93.95 million Loans $64.48 million Deposits $82.44 million Equity Capital $7.98 million Loan Loss Allowance $800,000 Unbacked Noncurrent Loans $505,000 Real Estate Owned $394,000 Historic Data - March 2011 Assets $87.03 million Equity Capital $7.02 million Loan Loss Allowance $1,000,000 Unbacked Noncurrent Loans $1.58 million Real Estate Owned $405,000 Profit Margin - Quarterly Net Interest Margin 4.09% Return on Assets 0.9% Return on Equity 10.62% Interest Income $1.08 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 March 31, 2012 TSB Bank had $899,000 in non-current loans and owned real-estate with $8.78 million in equity and loan loss allowances on hand to cover it. This gives TSB Bank a Texas Ratio of 10.24% 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 TSB Bank decreased significantly from 24.73% as of March 31, 2011 to 10.24% as of March 31, 2012, resulting in a positive change of 58.58%.This indicates that the balance sheet and financial strength for TSB Bank has improved significantly in recent periods. Deposit Growth In the past year, TSB Bank has increased its total deposits by $5.75 million, resulting in 7.5% 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 TSB 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. TSB Bank has $93.95 million in assets with $8.78 million in equity, resulting in a capitalization level of 9.34%, which is average.

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