Town Bank

Town Bank is headquartered in Hartland and is the 15^st largest bank in the state of Wisconsin. It is also the 799^th largest bank in the nation. It was established in 1998 and as of March of 2012, it had grown to 78 employees at 6 locations. Town Bank has a 5-star health rating.

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Data for Q1 2012

Institution Statistics Town Bank FDIC Certificate # 34717 BankRate Report View Year Established 1998 Employees 78 Primary Regulator FED Assets and Liabilities Assets $825.02 million Loans $638.28 million Deposits $705.99 million Equity Capital $99.26 million Loan Loss Allowance $7.88 million Unbacked Noncurrent Loans $8.22 million Real Estate Owned $7.70 million Historic Data - March 2011 Assets $722.12 million Equity Capital $93.82 million Loan Loss Allowance $7.20 million Unbacked Noncurrent Loans $6.33 million Real Estate Owned $8.32 million Profit Margin - Quarterly Net Interest Margin 3.27% Return on Assets -0.08% Return on Equity -0.68% Interest Income $7.29 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 Town Bank had $15.92 million in non-current loans and owned real-estate with $107.14 million in equity and loan loss allowances on hand to cover it. This gives Town Bank a Texas Ratio of 14.86% 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 Town Bank held steady from 14.50% as of March 31, 2011 to 14.86% as of March 31, 2012, resulting in a negative change of 2.51%. This indicates that the balance sheet and financial strength for Town Bank has held steady in recent periods. Deposit Growth In the past year, Town Bank has increased its total deposits by $108 million, resulting in 18.06% 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 Town 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. Town Bank has $825.02 million in assets with $107.14 million in equity, resulting in a capitalization level of 12.99%, which is excellent.

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