First Bank Financial Centre

155 West Wisconsin Avenue
Oconomowoc, WI 53066
888-569-9909
www.fbfcwi.com

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First Bank Financial Centre is headquartered in Oconomowoc and is the 19^st largest bank in the state of Wisconsin. It is also the 824^th largest bank in the nation. It was established in 1859 and as of December of 2012, it had grown to 211 employees at 15 locations. First Bank Financial Centre has a 4-star health rating.

First Bank Financial Centre Routing Number: 075902421

Special 9-Month CD and Other Top CD Rates at First Bank Financial Centre in WI - Local Only - 7/21/2010

First Bank Financial Centre is offering three competitive CD specials. The best one is the 9-month CD with a 1.60% APY. The other two are a 2.00% APY 24-month CD and a 3.00% APY 60-month CD. Minimum d ...

1.60% 9-Mo CD, 2% 24-Mo CD & 3% 60-Mo CD At First Bank Financial Centre In WI (Forum) - 7/5/2010

First Bank Financial Centre is offering these CD specials as of 7/5/2010: 1.60% APY 9-month CD minimum $2,500 2.00% APY 24-month CD minimum $2,500 3.00% APY 60-month CD minimum $2,500 It appears a branch visit is required at one of their Wisconsin

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See Rates for: Checking | Savings | Money Market | CD | IRA

First Bank Financial Centre Checking Account Rates

Apy	Min	Max	Product
0.10%	-	-	Business Checking with Interest
0.03%	-	-	Classic Checking
0.03%	-	-	Premier Checking

First Bank Financial Centre Savings Account Rates

Apy	Min	Max	Product
0.25%	-	-	Elite Savings
0.15%	-	-	Business Savings
0.15%	$10k	-	Health Savings Account
0.05%	-	-	Statement Savings
0.05%	-	-	Holiday Savings
0.05%	-	-	Jungle Club Savings
0.05%	-	-	Smart Savings

First Bank Financial Centre Money Market Rates

Apy	Min	Max	Product
0.30%	$100k	-	First Rate Money Market - Consumer
0.30%	$100k	-	First Rate Money Market - Business
0.10%	-	-	IRA Money Market

First Bank Financial Centre CD Rates

Apy	Min	Max	Product
1.10%	$2,500	-	59 Month CD Special
1.10%	$2,500	-	Business 59 Month CD Special
0.70%	$2,500	-	25 Month CD Special
0.70%	$1k	-	60 Month CD
0.70%	$2,500	-	Business 25 Month CD Special
0.70%	$1k	-	Business 60 Month CD
0.55%	$1k	-	48 Month CD
0.55%	$1k	-	Business 48 Month CD
0.45%	$2,500	-	15 Month CD Special
0.45%	$2,500	-	Business 15 Month CD Special
0.35%	$1k	-	36 Month CD
0.35%	$1k	-	Business 36 Month CD
0.30%	$1k	-	24 Month CD
0.30%	$200	-	Young American CD
0.30%	$1k	-	Business 24 Month CD
0.20%	$1k	-	12 Month CD
0.20%	$1k	-	Business 12 Month CD
0.15%	$1k	-	6 Month CD
0.15%	$1k	-	Business 6 Month CD
0.10%	$1k	-	3 Month CD
0.10%	$1k	-	Business 3 Month CD

First Bank Financial Centre IRA Rates

Apy	Min	Max	Product
1.10%	$2,500	-	59 Month IRA Special
0.70%	$2,500	-	25 Month IRA Special
0.70%	$100	-	60 Month IRA
0.55%	$100	-	48 Month IRA
0.45%	$2,500	-	15 Month IRA Special
0.35%	$100	-	36 Month IRA
0.30%	$100	-	24 Month IRA
0.20%	$100	-	12 Month IRA
0.15%	$100	-	6 Month IRA

Rates updated: 5/24/2013

Data for Q4 2012

Institution Statistics

First Bank Financial Centre
FDIC Certificate #	12517
BankRate Report	View
Year Established	1859
Employees	211
Primary Regulator	FDIC
Assets and Liabilities
Assets	$809.46 million
Loans	$515.44 million
Deposits	$634.13 million
Equity Capital	$68.62 million
Loan Loss Allowance	$8.19 million
Unbacked Noncurrent Loans	$4.48 million
Real Estate Owned	$9.88 million
Historic Data - December 2011
Assets	$713.68 million
Equity Capital	$65.31 million
Loan Loss Allowance	$5.19 million
Unbacked Noncurrent Loans	$2.45 million
Real Estate Owned	$14.84 million
Profit Margin - Quarterly
Net Interest Margin	3.72%
Return on Assets	0.72%
Return on Equity	8%
Interest Income	$30.35 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 December 31, 2012 First Bank Financial Centre had $14.36 million in non-current loans and owned real-estate with $76.81 million in equity and loan loss allowances on hand to cover it. This gives First Bank Financial Centre a Texas Ratio of 18.69% 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 24.53% as of December 31, 2011 to 18.69% as of December 31, 2012, resulting in a positive change of 23.81%.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 $69.16 million, resulting in 12.24% 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 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. First Bank Financial Centre has $809.46 million in assets with $76.81 million in equity, resulting in a capitalization level of 9.49%, which is average.