First Bank Financial Centre

First Bank Financial Centre is headquartered in Oconomowoc and is the 23^rd largest bank in the state of Wisconsin. It is also the 934^th largest bank in the nation. It was established in 1859 and as of March of 2012, it had grown to 187 employees at 12 locations. First Bank Financial Centre has a 4-star health rating.

First Bank Financial Centre Routing Number: 075902421

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Data for Q1 2012

Institution Statistics First Bank Financial Centre FDIC Certificate # 12517 BankRate Report View Year Established 1859 Employees 187 Primary Regulator FDIC Assets and Liabilities Assets $711.90 million Loans $488.15 million Deposits $564.87 million Equity Capital $66.53 million Loan Loss Allowance $5.43 million Unbacked Noncurrent Loans $3.52 million Real Estate Owned $15.15 million Historic Data - March 2011 Assets $688.07 million Equity Capital $61.75 million Loan Loss Allowance $4.80 million Unbacked Noncurrent Loans $6.80 million Real Estate Owned $14.38 million Profit Margin - Quarterly Net Interest Margin 3.67% Return on Assets 0.78% Return on Equity 8.46% Interest Income $7.48 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 First Bank Financial Centre had $18.67 million in non-current loans and owned real-estate with $71.96 million in equity and loan loss allowances on hand to cover it. This gives First Bank Financial Centre a Texas Ratio of 25.95% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for First Bank Financial Centre decreased slightly from 31.82% as of March 31, 2011 to 25.95% as of March 31, 2012, resulting in a positive change of 18.44%.This indicates that the balance sheet and financial strength for First Bank Financial Centre has improved slightly in recent periods. Deposit Growth In the past year, First Bank Financial Centre has increased its total deposits by $14.85 million, resulting in 2.7% 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 First Bank Financial Centre 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. First Bank Financial Centre has $711.9 million in assets with $71.96 million in equity, resulting in a capitalization level of 10.11%, which is above average.

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