Premier Community Bank

Premier Community Bank is headquartered in Marion and is the 76^th largest bank in the state of Wisconsin. It is also the 2,318^st largest bank in the nation. It was established in 1941 and as of December of 2012, it had grown to 83 employees at 12 locations. Premier Community Bank's savings rates are 44% higher than the national average, and it boasts a 5-star health rating.

Premier Community Bank Routing Number: 075903831

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Data for Q4 2012

Institution Statistics Premier Community Bank FDIC Certificate # 15799 BankRate Report View Year Established 1941 Employees 83 Primary Regulator FDIC Assets and Liabilities Assets $277.79 million Loans $152.43 million Deposits $239.10 million Equity Capital $26.73 million Loan Loss Allowance $3.15 million Unbacked Noncurrent Loans $2.03 million Real Estate Owned $809,000 Historic Data - December 2011 Assets $195.60 million Equity Capital $22.30 million Loan Loss Allowance $2.62 million Unbacked Noncurrent Loans $2.79 million Real Estate Owned $313,000 Profit Margin - Quarterly Net Interest Margin 3.79% Return on Assets 0.44% Return on Equity 4.17% Interest Income $9.27 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 Premier Community Bank had $2.84 million in non-current loans and owned real-estate with $29.89 million in equity and loan loss allowances on hand to cover it. This gives Premier Community Bank a Texas Ratio of 9.51% 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 Premier Community Bank decreased slightly from 12.43% as of December 31, 2011 to 9.51% as of December 31, 2012, resulting in a positive change of 23.53%.This indicates that the balance sheet and financial strength for Premier Community Bank has improved slightly in recent periods. Deposit Growth In the past year, Premier Community Bank has increased its total deposits by $79.34 million, resulting in 49.66% 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 Premier 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. Premier Community Bank has $277.79 million in assets with $29.89 million in equity, resulting in a capitalization level of 10.76%, which is above average.

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