First National Bank of Berlin

First National Bank of Berlin is headquartered in Berlin and is the 77^th largest bank in the state of Wisconsin. It is also the 2,412^st largest bank in the nation. It was established in 1876 and as of September of 2011, it had grown to 81 employees at 9 locations. First National Bank of Berlin has a 4-star health rating.

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Data for Q3 2011

Institution Statistics The First National Bank of Berlin FDIC Certificate # 5286 BankRate Report View Year Established 1876 Employees 81 Primary Regulator OCC Assets and Liabilities Assets $264.01 million Loans $190.27 million Deposits $230.45 million Equity Capital $25.56 million Loan Loss Allowance $2.96 million Unbacked Noncurrent Loans $2.90 million Real Estate Owned $4.69 million Historic Data - September 2010 Assets $248.71 million Equity Capital $23.09 million Loan Loss Allowance $2.78 million Unbacked Noncurrent Loans $9.02 million Real Estate Owned $1.14 million Profit Margin - Quarterly Net Interest Margin 4.43% Return on Assets 0.58% Return on Equity 6.17% Interest Income $9.00 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 September 30, 2011 First National Bank of Berlin had $7.59 million in non-current loans and owned real-estate with $28.52 million in equity and loan loss allowances on hand to cover it. This gives First National Bank of Berlin a Texas Ratio of 26.61% 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 National Bank of Berlin decreased slightly from 39.27% as of September 30, 2010 to 26.61% as of September 30, 2011, resulting in a positive change of 32.24%.This indicates that the balance sheet and financial strength for First National Bank of Berlin has improved slightly in recent periods. Deposit Growth In the past year, First National Bank of Berlin has increased its total deposits by $15.5 million, resulting in 7.21% 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 National Bank of Berlin 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 National Bank of Berlin has $264.01 million in assets with $28.52 million in equity, resulting in a capitalization level of 10.80%, which is above average.

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