Bank First National

Bank First National is headquartered in Manitowoc and is the 13^st largest bank in the state of Wisconsin. It is also the 652^nd largest bank in the nation. It was established in 1894 and as of December of 2012, it had grown to 166 employees at 12 locations. Bank First National has a 5-star health rating.

Bank First National Routing Number: 075901134

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Data for Q4 2012

Institution Statistics Bank First National FDIC Certificate # 5304 BankRate Report View Year Established 1894 Employees 166 Primary Regulator OCC Assets and Liabilities Assets $1.02 billion Loans $723.67 million Deposits $869.41 million Equity Capital $93.37 million Loan Loss Allowance $7.95 million Unbacked Noncurrent Loans $3.96 million Real Estate Owned $2.58 million Historic Data - December 2011 Assets $904.58 million Equity Capital $90.55 million Loan Loss Allowance $7.48 million Unbacked Noncurrent Loans $3.00 million Real Estate Owned $3.25 million Profit Margin - Quarterly Net Interest Margin 3.81% Return on Assets 1.16% Return on Equity 11.6% Interest Income $38.16 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 December 31, 2012 Bank First National had $6.54 million in non-current loans and owned real-estate with $101.32 million in equity and loan loss allowances on hand to cover it. This gives Bank First National a Texas Ratio of 6.45% 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 Bank First National held steady from 6.35% as of December 31, 2011 to 6.45% as of December 31, 2012, resulting in a negative change of 1.54%. This indicates that the balance sheet and financial strength for Bank First National has held steady in recent periods. Deposit Growth In the past year, Bank First National has increased its total deposits by $116.85 million, resulting in 15.53% 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 Bank First National 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. Bank First National has $1.02 billion in assets with $101.32 million in equity, resulting in a capitalization level of 9.97%, which is average.

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