National Exchange Bank and Trust

National Exchange Bank and Trust is headquartered in Fond Du Lac and is the 8^th largest bank in the state of Wisconsin. It is also the 534^th largest bank in the nation. It was established in 1933 and as of March of 2012, it had grown to 263 employees at 29 locations. National Exchange Bank and Trust has a 5-star health rating.

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Data for Q1 2012

Institution Statistics National Exchange Bank and Trust FDIC Certificate # 10044 BankRate Report View Year Established 1933 Employees 263 Primary Regulator OCC Assets and Liabilities Assets $1.24 billion Loans $667.08 million Deposits $917.70 million Equity Capital $208.47 million Loan Loss Allowance $18.30 million Unbacked Noncurrent Loans $6.70 million Real Estate Owned $18.78 million Historic Data - March 2011 Assets $1.33 billion Equity Capital $191.90 million Loan Loss Allowance $15.87 million Unbacked Noncurrent Loans $25.32 million Real Estate Owned $3.24 million Profit Margin - Quarterly Net Interest Margin 3.63% Return on Assets 1.08% Return on Equity 6.58% Interest Income $12.01 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 National Exchange Bank and Trust had $25.48 million in non-current loans and owned real-estate with $226.76 million in equity and loan loss allowances on hand to cover it. This gives National Exchange Bank and Trust a Texas Ratio of 11.24% 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 National Exchange Bank and Trust decreased slightly from 13.92% as of March 31, 2011 to 11.24% as of March 31, 2012, resulting in a positive change of 19.28%.This indicates that the balance sheet and financial strength for National Exchange Bank and Trust has improved slightly in recent periods. Deposit Growth In the past year, National Exchange Bank and Trust has increased its total deposits by $15.72 million, resulting in 1.74% 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 National Exchange Bank and Trust 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. National Exchange Bank and Trust has $1.24 billion in assets with $226.76 million in equity, resulting in a capitalization level of 18.25%, which is excellent.

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