The Peshtigo National Bank

The Peshtigo National Bank is headquartered in Peshtigo and is the 125^th largest bank in the state of Wisconsin. It is also the 3,583^rd largest bank in the nation. It was established in 1901 and as of March of 2012, it had grown to 44 employees at 5 locations. The Peshtigo National Bank has a 4-star health rating.

The Peshtigo National Bank Routing Number: 075906469

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Data for Q1 2012

Institution Statistics The Peshtigo National Bank FDIC Certificate # 5317 BankRate Report View Year Established 1901 Employees 44 Primary Regulator OCC Assets and Liabilities Assets $167.04 million Loans $109.25 million Deposits $148.91 million Equity Capital $17.53 million Loan Loss Allowance $1.78 million Unbacked Noncurrent Loans $1.54 million Real Estate Owned $51,000 Historic Data - March 2011 Assets $156.33 million Equity Capital $14.81 million Loan Loss Allowance $1.55 million Unbacked Noncurrent Loans $1.24 million Real Estate Owned $330,000 Profit Margin - Quarterly Net Interest Margin 4.35% Return on Assets 1.63% Return on Equity 15.83% Interest Income $1.94 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 Peshtigo National Bank had $1.59 million in non-current loans and owned real-estate with $19.31 million in equity and loan loss allowances on hand to cover it. This gives The Peshtigo National Bank a Texas Ratio of 8.24% 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 The Peshtigo National Bank held steady from 9.61% as of March 31, 2011 to 8.24% as of March 31, 2012, resulting in a positive change of 14.17%.This indicates that the balance sheet and financial strength for The Peshtigo National Bank has held steady in recent periods. Deposit Growth In the past year, The Peshtigo National Bank has increased its total deposits by $8.05 million, resulting in 5.72% 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 Peshtigo National 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. The Peshtigo National Bank has $167.04 million in assets with $19.31 million in equity, resulting in a capitalization level of 11.56%, which is above average.

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