The First National Bank - Fox Valley

The First National Bank - Fox Valley is headquartered in Neenah and is the 62^nd largest bank in the state of Wisconsin. It is also the 2,113^st largest bank in the nation. It was established in 1887 and as of March of 2012, it had grown to 58 employees at 4 locations. The First National Bank - Fox Valley has a 4-star health rating.

Data for Q1 2012

Institution Statistics The First National Bank - Fox Valley FDIC Certificate # 5307 BankRate Report View Year Established 1887 Employees 58 Primary Regulator OCC Assets and Liabilities Assets $308.96 million Loans $229.51 million Deposits $265.03 million Equity Capital $35.18 million Loan Loss Allowance $2.73 million Unbacked Noncurrent Loans $3.97 million Real Estate Owned $713,000 Historic Data - March 2011 Assets $308.87 million Equity Capital $27.35 million Loan Loss Allowance $2.56 million Unbacked Noncurrent Loans $5.51 million Real Estate Owned $608,000 Profit Margin - Quarterly Net Interest Margin 3.95% Return on Assets 0.92% Return on Equity 8.21% Interest Income $3.47 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 March 31, 2012 The First National Bank - Fox Valley had $4.69 million in non-current loans and owned real-estate with $37.91 million in equity and loan loss allowances on hand to cover it. This gives The First National Bank - Fox Valley a Texas Ratio of 12.36% 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 The First National Bank - Fox Valley decreased slightly from 20.28% as of March 31, 2011 to 12.36% as of March 31, 2012, resulting in a positive change of 39.03%.This indicates that the balance sheet and financial strength for The First National Bank - Fox Valley has improved slightly in recent periods. Deposit Growth In the past year, The First National Bank - Fox Valley has decreased its total deposits by -$7.62 million, resulting in -2.79% 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 The First National Bank - Fox Valley 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. The First National Bank - Fox Valley has $308.96 million in assets with $37.91 million in equity, resulting in a capitalization level of 12.27%, which is excellent.

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