First National Bank (WI)

111 Jefferson Street
Waupaca, WI 54981
715-258-5511
www.fnbwaupaca.com

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First National Bank (WI) is headquartered in Waupaca and is the 21^st largest bank in the state of Wisconsin. It is also the 837^th largest bank in the nation. It was established in 1893 and as of December of 2012, it had grown to 130 employees at 11 locations. First National Bank (WI) has a 4-star health rating.

2% 13-Month CD & 2.25% 25-Month CD At First National Bank In WI (Forum) - 7/5/2010

First National Bank is offering these special CD rates as of 7/5/2010 in parts of Wisconsin 2.00% APY 13-month CD minimum $2,500 2.25% APY 25-month CD minimum $2,500 They also have a few branches in Texas, but the rates are lower. As of 7/5/2010, th

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

First National Bank (WI) Checking Account Rates

	Apy	Min	Max	Product
	0.01%^†	$500	-	Now Checking

First National Bank (WI) Savings Account Rates

	Apy	Min	Max	Product
	0.01%^†	-	-	Statement Savings

First National Bank (WI) Money Market Rates

Apy	Min	Max	Product
0.10%^†	$25k	-	Money Management Account
0.02%^†	$10k	-	Guaranteed Money Market Investment Account
0.01%^†	$2,500	-	Guaranteed Money Market Checking

First National Bank (WI) CD Rates

Apy	Min	Max	Product
0.95%^†	$2,500	-	25 Month CD
0.95%^†	$500	-	2 Year CD
0.95%^†	$500	-	2 1/2 Year CD
0.95%^†	$500	-	3 Year CD
0.85%^†	$2,500	-	13 Month CD
0.85%^†	$500	-	1 1/2 Year CD
0.50%^†	$50k	-	1 Year CD
0.45%^†	$50k	-	6 Month CD
0.15%^†	$2,500	-	3 Month CD

First National Bank (WI) IRA Rates

Apy	Min	Max	Product
0.95%^†	$500	-	24 Month Fixed Rate IRA
0.85%^†	$500	-	18 Month Fixed Rate IRA
0.40%^†	-	-	18 Month Variable Rate IRA

Rates updated: 5/22/2013

Data for Q4 2012

Institution Statistics

First National Bank
FDIC Certificate #	15149
BankRate Report	View
Year Established	1893
Employees	130
Primary Regulator	OCC
Assets and Liabilities
Assets	$797.68 million
Loans	$714.24 million
Deposits	$700.87 million
Equity Capital	$94.53 million
Loan Loss Allowance	$7.03 million
Unbacked Noncurrent Loans	$9.80 million
Real Estate Owned	$1.63 million
Historic Data - December 2011
Assets	$750.44 million
Equity Capital	$77.50 million
Loan Loss Allowance	$6.51 million
Unbacked Noncurrent Loans	$6.04 million
Real Estate Owned	$2.65 million
Profit Margin - Quarterly
Net Interest Margin	4.85%
Return on Assets	1.81%
Return on Equity	16.46%
Interest Income	$41.18 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 National Bank (WI) had $11.44 million in non-current loans and owned real-estate with $101.56 million in equity and loan loss allowances on hand to cover it. This gives First National Bank (WI) a Texas Ratio of 11.26% 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 First National Bank (WI) held steady from 10.35% as of December 31, 2011 to 11.26% as of December 31, 2012, resulting in a negative change of 8.80%. This indicates that the balance sheet and financial strength for First National Bank (WI) has held steady in recent periods.
Deposit Growth
In the past year, First National Bank (WI) has increased its total deposits by $32.3 million, resulting in 4.83% 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 (WI) 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 National Bank (WI) has $797.68 million in assets with $101.56 million in equity, resulting in a capitalization level of 12.73%, which is excellent.