First National Community Bank

First National Community Bank is headquartered in New Richmond and is the 128^th largest bank in the state of Wisconsin. It is also the 3,533^rd largest bank in the nation. It was established in 1919 and as of December of 2012, it had grown to 54 employees at 4 locations. First National Community Bank has a 5-star health rating.

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First National Community Bank Checking Account Rates

Data for Q4 2012

Institution Statistics First National Community Bank FDIC Certificate # 5357 BankRate Report View Year Established 1919 Employees 54 Primary Regulator OCC Assets and Liabilities Assets $168.57 million Loans $107.09 million Deposits $150.82 million Equity Capital $15.78 million Loan Loss Allowance $1.41 million Unbacked Noncurrent Loans $244,000 Real Estate Owned $2.04 million Historic Data - December 2011 Assets $161.18 million Equity Capital $15.30 million Loan Loss Allowance $1.33 million Unbacked Noncurrent Loans $998,000 Real Estate Owned $3.89 million Profit Margin - Quarterly Net Interest Margin 4.12% Return on Assets 1.13% Return on Equity 12.13% Interest Income $7.18 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 First National Community Bank had $2.28 million in non-current loans and owned real-estate with $17.19 million in equity and loan loss allowances on hand to cover it. This gives First National Community Bank a Texas Ratio of 13.27% 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 Community Bank decreased significantly from 29.38% as of December 31, 2011 to 13.27% as of December 31, 2012, resulting in a positive change of 54.84%.This indicates that the balance sheet and financial strength for First National Community Bank has improved significantly in recent periods. Deposit Growth In the past year, First National Community Bank has increased its total deposits by $7.91 million, resulting in 5.53% 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 First National Community Bank 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 Community Bank has $168.57 million in assets with $17.19 million in equity, resulting in a capitalization level of 10.20%, which is above average.