Ventis Group (630) 820- BANK

Transcription

1 nd Copy Right 2010, Bankers Benefits, Inc. Do not reproduce or forward. For update or copies please . Ventis Group (630) 820- BANK

2 Bank Quality Report, performing Quality + AbbyBank Abbotsford WI ,215 2, ,206 2, Bank of Alma Alma WI , ,265 13, Portage County Bank Almond WI , The International Bank of Amherst Amherst WI American National Bank - Fox Cities Appleton WI , ,048 4, The Business Bank Appleton WI , ,423 10, Thrivent Financial Bank Appleton WI ,189 3, ,781 4, State Bank of Arcadia Arcadia WI Northern State Bank Ashland WI ,020 1, , Pioneer Bank Auburndale WI Unity Bank Augusta WI , The First Bank of Baldwin Baldwin WI , , Bancroft State Bank Bancroft WI , ,205 2, The First National Bank of Bangor Bangor WI ,069 1, , The Baraboo National Bank Baraboo WI ,919 12,786 2,615 12,210 37, First National Bank and Trust Barron WI , Sterling Bank Barron WI The American National Bank of Beaver Dam Beaver Dam WI , ,512 4, Blackhawk State Bank Beloit WI ,969 8, , The First National Bank and Trust Company Beloit WI ,834 5, , The Benton State Bank Benton WI The Farmers & Merchants Bank Berlin WI , , The First National Bank of Berlin Berlin WI , , Banner Banks Birnamwood WI , Black River Country Bank Black River Fall WI , Jackson County Bank Black River Fall WI , , Union Bank of Blair Blair WI Peoples State Bank of Bloomer Bloomer WI ,278 2, The Woodhouse & Bartley Bank Bloomington WI Bonduel State Bank Bonduel WI Community First Bank Boscobel WI ,476 2, ,392 10, Calumet County Bank Brillion WI , The Bank of Brodhead Brodhead WI First Business Bank-Milwaukee Brookfield WI , Great Midwest Bank, S.S.B. Brookfield WI ,605 8,164 3,809 2,693 9, North Shore Bank, FSB Brookfield WI 1, ,586 13, ,928 36, RidgeStone Bank Brookfield WI , ,762 21, Spring Bank Brookfield WI Bank Mutual Brown Deer WI 3, ,417 43, ,846 57, Dairyland State Bank Bruce WI , , First Banking Center Burlington WI ,131 6, ,859 81, Fox River State Bank Burlington WI , ,027 5, Citizens State Bank Cadott WI ,039 2, Cambridge State Bank Cambridge WI ,479 2, ,693 8, Community Bank of Cameron Cameron WI , , Bank of Cashton Cashton WI of 7 Accrual ++ (Tier

3 Bank Quality Report, performing Quality + Badger State Bank Cassville WI , ,536 3, State Bank of Cazenovia Cazenovia WI State Bank of Chilton Chilton WI ,417 1, ,794 7, Northwestern Bank Chippewa Falls WI , ,405 9, Citizens State Bank of Clayton Clayton WI Cleveland State Bank Cleveland WI Community Bank of Central Wisconsin Colby WI , ,057 7, Collins State Bank Collins WI Farmers and Merchants Union Bank Columbus WI ,360 2, Bank North Crivitz WI ,853 2, , State Bank of Cross Plains Cross Plains WI ,794 11, ,482 28, American Bank & Trust Wisconsin Cuba City WI , Cumberland Federal Bank, FSB Cumberland WI , First National Bank at Darlington Darlington WI DMB Community Bank De Forest WI ,374 1, , Settlers Bank De Forest WI Bank of Deerfield Deerfield WI , Community Bank CBD Delavan WI ,184 1, ,131 2, Denmark State Bank Denmark WI ,609 1, , Advantage Community Bank Dorchester WI State Bank of Drummond Drummond WI Security Financial Bank Durand WI ,713 1, ,217 9, The First National Bank of Eagle River Eagle River WI , ,287 6, Charter Bank Eau Claire Eau Claire WI ,622 4, ,410 12, Citizens Community Federal Eau Claire WI ,722 8, , Peoples Bank Elkhorn WI ,491 1, ,800 5, Royal Bank Elroy WI , , Union Bank & Trust Company Evansville WI ,890 2, , Oak Bank Fitchburg WI , , State Bank of Florence Florence WI , ,924 2, American Bank Fond Du Lac WI Fox Valley Savings Bank Fond Du Lac WI ,276 2, ,314 6, Hometown Bank Fond Du Lac WI , National Exchange Bank and Trust Fond Du Lac WI 1, , ,763 24, Badger Bank Fort Atkinson WI ,074 6, PremierBank Fort Atkinson WI , ,440 3, Bank of Galesville Galesville WI ,016 1, , Cornerstone Community Bank Grafton WI ,419 1, ,906 1, Grand Marsh State Bank Grand Marsh WI , , Gratiot State Bank Gratiot WI Associated Bank, National Association Green Bay WI 22, , , , ,524 20,893 50, ,465 1, Bay Bank Green Bay WI ,394 2, ,582 2, Nicolet National Bank Green Bay WI , ,598 9, PyraMax Bank, FSB Greenfield WI , , Greenleaf Wayside Bank Greenleaf WI State Bank Gresham WI of 7 Accrual ++ (Tier

4 Bank Quality Report, performing Quality + Hiawatha National Bank Hager City WI , Hartford Savings Bank Hartford WI , ,575 9, The First National Bank of Hartford Hartford WI , ,580 2, Town Bank Hartland WI , ,260 2, Peoples Bank of Wisconsin Hayward WI , ,720 8, Highland State Bank Highland WI Farmers State Bank Hillsboro WI Park Bank Holmen WI , Horicon Bank Horicon WI , ,480 8, Wolf River Community Bank Hortonville WI , , Citizens State Bank Hudson WI ,253 6, First American Bank, N.A. Hudson WI ,777 1, Hustisford State Bank Hustisford WI Independence State Bank Independence WI , Security State Bank Iron River WI ,645 1, ,267 12, ISB Community Bank Ixonia WI , ,726 6, Mid America Bank Janesville WI East Wisconsin Savings Bank, S.A. Kaukauna WI , The Bank of Kaukauna Kaukauna WI , , Farmers and Merchants Bank of Kendall Kendall WI , Banks of Wisconsin Kenosha WI ,966 6, ,997 12, Southport Bank Kenosha WI ,766 5, ,021 38, Union State Bank Kewaunee WI , ,163 1, Coulee Bank La Crosse WI ,946 1,314 4,203 4, State Bank Financial La Crosse WI ,052 1, ,129 15, La Farge State Bank La Farge WI , , Ladysmith Federal Savings and Loan AssociatiLadysmith WI Pioneer Bank of Wisconsin Ladysmith WI , Bank of Lake Mills Lake Mills WI ,871 3, ,066 6, The Greenwood's State Bank Lake Mills WI , , Headwaters State Bank Land O Lakes WI , , Laona State Bank Laona WI , ,106 6, BLC Community Bank Little Chute WI , , Livingston State Bank Livingston WI ,470 3, , TSB Bank Lomira WI , Citizens State Bank of Loyal Loyal WI ,316 1, , Rural American Bank - Luck Luck WI , Bank of Luxemburg Luxemburg WI , , AnchorBank, fsb Madison WI 4, ,240 64, , , Bankers' Bank Madison WI , ,576 5, Capitol Bank Madison WI ,885 1, First Business Bank Madison WI , , FPC Financial, F.S.B. Madison WI 2, ,546 4, , Home Savings Bank Madison WI , , The Park Bank Madison WI ,950 6, ,047 27, Wisconsin Community Bank Madison WI , ,712 10, of 7 Accrual ++ (Tier

5 Bank Quality Report, performing Quality + WPS Community Bank, FSB Madison WI Bank First National Manitowoc WI ,998 2, ,904 3, Investors Community Bank Manitowoc WI , , Marathon State Bank Marathon WI Farmers & Merchants Bank & Trust Marinette WI ,156 3, , The Stephenson National Bank and Trust Marinette WI ,677 1, , Premier Community Bank Marion WI ,597 1, , Farmers State Bank Markesan WI , , Markesan State Bank Markesan WI , , Marshfield Savings Bank Marshfield WI ,614 3, Bank of Mauston Mauston WI ,163 1,066 1,897 2, M&I Bank of Mayville Mayville WI Mayville Savings Bank Mayville WI The Peoples Community Bank Mazomanie WI , McFarland State Bank Mc Farland WI , Fidelity National Bank Medford WI , , Mid-Wisconsin Bank Medford WI , ,177 13, Time Federal Savings Bank Medford WI ,193 1, Securant Bank & Trust Menomonee FallWI , ,736 9, Bremer Bank, National Association Menomonie WI ,236 7, , Lincoln Community Bank Merrill WI , ,045 1, Merrill Federal Savings and Loan Association Merrill WI Middleton Community Bank Middleton WI ,983 2, Bank of Milton Milton WI First Community Bank Milton WI , Milton Savings Bank Milton WI Bay View Federal Savings and Loan AssociatioMilwaukee WI , , Columbia Savings and Loan Association Milwaukee WI , , Guaranty Bank Milwaukee WI 1, ,797 22, ,641 58, Layton State Bank Milwaukee WI ,102 3, ,126 3, Legacy Bank Milwaukee WI ,899 18, ,147 25, M&I Marshall and Ilsley Bank Milwaukee WI 47, , , , , ,797 3, ,611 1,687,096 2, Mitchell Bank Milwaukee WI , ,831 7, North Milwaukee State Bank Milwaukee WI ,310 4, , Northwestern Mutual Wealth Management Milwaukee WI Park Bank Milwaukee WI , , The PrivateBank, N.A. Milwaukee WI , Farmers Savings Bank Mineral Point WI , Alliance Bank Mondovi WI , , Monona State Bank Monona WI ,187 3, ,030 10, Bank of Monticello Monticello WI , ,484 3, Citizens Bank of Mukwonago Mukwonago WI ,141 8, ,919 25, The Necedah Bank Necedah WI , The First National Bank - Fox Valley Neenah WI , , Nekoosa Port Edwards State Bank Nekoosa WI , Farmers Exchange Bank Neshkoro WI of 7 Accrual ++ (Tier

6 Bank Quality Report, performing Quality + Security Bank New Auburn WI , The Bank of New Glarus New Glarus WI ,501 1, , First State Bank New London WI ,355 2, ,813 8, First National Community Bank New Richmond WI , ,606 2, State Bank of Newburg Newburg WI , , The First National Bank of Niagara Niagara WI , , Community State Bank Norwalk WI Tri City National Bank Oak Creek WI 1, ,637 11,741 5,061 3,904 28, Bank of Oakfield Oakfield WI , First Bank Financial Centre Oconomowoc WI , ,361 7, Bank of Ontario Ontario WI Oostburg State Bank Oostburg WI , Oregon Community Bank & Trust Oregon WI , ,523 4, Farmers & Merchants Bank, of Orfordville Orfordville WI Choice bank Oshkosh WI ,432 1, West Pointe Bank Oshkosh WI , , United Bank Osseo WI , , PALMYRA STATE BANK Palmyra WI The First National Bank of Park Falls Park Falls WI The Peshtigo National Bank Peshtigo WI , , Foundations Bank Pewaukee WI ,651 3, ,769 10, Pigeon Falls State Bank Pigeon Falls WI Clare Bank, National Association Platteville WI , Mound City Bank Platteville WI ,117 2, ,772 5, The First National Bank of Platteville Platteville WI , The Port Washington State Bank Port WashingtonWI ,364 9, ,596 10, Bank of Poynette Poynette WI ,554 2, Peoples State Bank Prairie Du Chien WI , , Bank of Prairie du Sac Prairie Du Sac WI , , Community Financial Bank Prentice WI , Johnson Bank Racine WI 5, ,002 79, , , State Bank of Reeseville Reeseville WI Community Bank of Northern Wisconsin Rice Lake WI , ,382 1, Dairy State Bank Rice Lake WI ,339 5, , Richland County Bank Richland Center WI , River Falls State Bank River Falls WI The First National Bank of River Falls River Falls WI , ,433 8, Community First Bank Rosholt WI , , Farmers and Merchants Bank Rudolph WI Community Business Bank Sauk City WI , ,158 2, Intercity State Bank Schofield WI ,507 3, ,825 4, Community Bank & Trust Sheboygan WI , ,788 14, Shell Lake State Bank Shell Lake WI , Union National Bank & Trust Company Sparta WI Heritage Bank Spencer WI Eagle Valley Bank, National Association St. Croix Falls WI ,972 5, of 7 Accrual ++ (Tier

7 Bank Quality Report, performing Quality + The Pineries Bank Stevens Point WI , River Bank Stoddard WI ,896 2, Evergreen State Bank Stoughton WI ,870 2, ,433 16, Stratford State Bank Stratford WI ,682 1, Baylake Bank Sturgeon Bay WI 1, ,844 6, ,962 23, Bank of Sun Prairie Sun Prairie WI ,128 1, ,211 14, National Bank of Commerce Superior WI , ,712 15, Superior Bank Superior WI Superior Savings Bank Superior WI , First National Bank in Tigerton Tigerton WI Farmers & Merchants Bank Tomah WI ,974 1, , First Bank Tomah WI , Timberwood Bank Tomah WI , ,303 2, Tomahawk Community Bank S.S.B. Tomahawk WI , , Bank of Turtle Lake Turtle Lake WI , Community State Bank Union Grove WI , , Citizens First Bank Viroqua WI , , Waldo State Bank Waldo WI , Walworth State Bank Walworth WI , , Farmers & Merchants State Bank Waterloo WI , Town and Country Bank Watertown WI , , First Federal Bank of Wisconsin Waukesha WI , ,968 1, InvestorsBank Waukesha WI ,789 4,980 1,668 1,520 9, Sunset Bank & Savings Waukesha WI , ,492 2, Waukesha State Bank Waukesha WI , ,781 5, Waumandee State Bank Waumandee WI , First National Bank Waupaca WI ,431 2,845 5,927 7, The Farmers State Bank of Waupaca Waupaca WI , , The National Bank of Waupun Waupun WI ,735 2,389 1,235 5, Bank of Wausau Wausau WI ,731 2,583 1,160 2,738 4, Integrity First Bank Wausau WI ,084 4, , Marathon Savings Bank Wausau WI , , Peoples State Bank Wausau WI , ,222 9, River Valley Bank Wausau WI ,646 11, ,495 15, The Equitable Bank, S.S.B. Wauwatosa WI ,354 7, ,442 13, WaterStone Bank, SSB Wauwatosa WI 1, ,907 37, ,312 97, Maritime Savings Bank West Allis WI ,079 15, ,565 35, Commerce State Bank West Bend WI , Westbury Bank West Bend WI ,968 10,454 2,062 23,512 20, #N/A Union State Bank of West Salem West Salem WI John O. Melby & Co. Bank Whitehall WI Commercial Bank Whitewater WI First Citizens State Bank Whitewater WI Chippewa Valley Bank Winter WI , , Bank of Wisconsin Dells Wisconsin Dells WI ,475 3, ,343 7, KeySavings Bank Wisconsin RapidsWI of 7 Accrual ++ (Tier

8 Bank Quality Report, performing Quality + Accrual ++ Paper City Savings Association Wisconsin RapidsWI , , River Cities Bank Wisconsin RapidsWI , , WOODTRUST BANK, N. A. Wisconsin RapidsWI , ,759 1, Woodford State Bank Woodford WI , , (Tier is a measure of a bank's credit troubles. It is calculated by dividing the value of the bank's non-performing assets by the sum of its tangible common equity and loan loss reserves. Data presented are based on FDIC reports, some assets that appear as nonperforming may be covered by Federal Deposit Insurance Corporation Loss Sharing arrangements; thus, the financial strength of the institution may be stronger than the data reflects. Copy Right 2009, Bankers Benefits, Inc. Do not reproduce or forward. For update or copies please . 7 of 7

9 What Does Mean? A ratio developed by Gerald Cassidy and other analysts at RDC Markets to measure the credit problems of particular banks or regions of banks. The Texas ratio takes the amount of a bank's non-performing assets and loans, as well as loans delinquent for more than 90 days, and divides this number by the firm's tangible capital equity plus its loan loss reserve. A ratio of more than 100 (or 1:1) is considered a warning sign. Investopedia explains The Texas ratio was developed as an early warning system to identify potential problem banks. It was originally applied to banks in Texas in the 1980s and proved useful for New England banks in the early 1990s. This ratio can be useful when an asset held on a bank's balance sheet is falling in value, such as with oil reserves or mortgage assets. is a measure of a bank's credit troubles. It is calculated by dividing the value of the bank's nonperforming assets by the sum of its tangible common equity and loan loss reserves. However some banks might have acquired non-performing assets that are covered by Federal Deposit Insurance Corporation Loss Sharing arrangements; thus, the financial strength of these institutions may be stronger than the data reflects.