FPC Financial, F.S.B.

FPC Financial, F.S.B. is headquartered in Madison and is the 5^th largest bank in the state of Wisconsin. It is also the 347^th largest bank in the nation. It was established in 2000 and as of March of 2012, it had grown to 228 employees at 1 location. FPC Financial, F.S.B. has a 5-star health rating.

Data for Q1 2012

Institution Statistics John Deere Financial, f.s.b. OTS # 15685 FDIC Certificate # 35237 BankRate Report View Year Established 2000 Employees 228 Primary Regulator OCC Assets and Liabilities Assets $2.02 billion Loans $1.97 billion Deposits $710.80 million Equity Capital $430.90 million Loan Loss Allowance $39.69 million Unbacked Noncurrent Loans $3.76 million Historic Data - March 2011 Assets $2.04 billion Equity Capital $331.22 million Loan Loss Allowance $43.29 million Unbacked Noncurrent Loans $5.60 million Profit Margin - Quarterly Net Interest Margin 7.63% Return on Assets 4.49% Return on Equity 20.78% Interest Income $40.83 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 March 31, 2012 FPC Financial, F.S.B. had $3.76 million in non-current loans and owned real-estate with $470.59 million in equity and loan loss allowances on hand to cover it. This gives FPC Financial, F.S.B. a Texas Ratio of 0.80% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for FPC Financial, F.S.B. decreased significantly from 1.50% as of March 31, 2011 to 0.80% as of March 31, 2012, resulting in a positive change of 46.64%.This indicates that the balance sheet and financial strength for FPC Financial, F.S.B. has improved significantly in recent periods. Deposit Growth In the past year, FPC Financial, F.S.B. has decreased its total deposits by -$37.06 million, resulting in -4.96% 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 FPC Financial, F.S.B. has shown is below 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. FPC Financial, F.S.B. has $2.02 billion in assets with $470.59 million in equity, resulting in a capitalization level of 23.27%, which is excellent.

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