Copyright 2012, Bankers Benefits, Inc. Do not reproduce or forward. For update or copies please

nd Copyright 2012, Bankers Benefits, Inc. Do not reproduce or forward. For update or copies please e-mail info@bankersbenefits.com. (630) 820- BANK

Quality performing Asset Total ++ Total (Tier 1 + ) Banks of Wisconsin Kenosha WI 154.7 6.0 6.2 12.2 5,071 1,196 0 9,253 17,164 26.4 (1.14) 3.9 17.1 216.6 (1.2) Bank of Wausau Wausau WI 56.8 2.3 1.7 4.0 3,014 1,591 0 3,741 3,976 7.7 (0.94) 4.1 13.6 191.2 (17.0) Guaranty Bank Milwaukee WI 1,186.3 22.8 45.8 68.5 55,856 11,004 0 678 100,593 101.3 (0.47) 1.9 8.5 147.8 20.9 Securant Bank & Trust Menomonee FallsWI 212.5 11.8 7.3 19.1 5,377 9,233 0 9,712 15,961 25.7 5.09 5.5 12.1 134.6 29.4 AnchorBank, fsb Madison WI 2,784.0 127.0 100.5 227.5 71,692 24,266 23,296 83,955 188,948 296.2 (42.21) 4.6 10.6 130.2 (12.5) The Equitable Bank, S.S.B. Wauwatosa WI 383.6 25.9 5.5 31.3 17,509 5,946 557 15,864 18,408 34.8 (1.42) 6.7 9.1 111.2 (10.3) Community Bank of Central Wisconsin Colby WI 92.3 4.5 3.1 7.6 520 254 0 1,687 6,696 8.4 (0.04) 4.9 9.1 110.4 1.5 Columbia Savings and Loan Association Milwaukee WI 23.7 2.3 0.4 2.8 0 1,119 0 497 1,912 2.4 0.23 9.8 10.2 87.1 7.9 RidgeStone Bank Brookfield WI 423.3 40.5 14.4 54.8 10,834 6,638 0 18,401 27,797 46.2 4.14 9.6 10.9 84.3 8.1 The Bank of Kaukauna Kaukauna WI 84.1 8.5 2.3 10.8 100 142 0 1,787 7,296 9.1 (1.16) 10.1 10.8 84.2 (11.5) Eagle Valley Bank, National Association St. Croix Falls WI 142.0 5.9 1.4 7.2 0 478 0 4,847 943 5.8 (0.96) 4.1 4.1 80.0 (20.7) Bancroft State Bank Bancroft WI 67.5 6.0 0.9 6.9 0 997 0 1,869 3,368 5.2 (0.31) 8.9 7.8 76.2 (5.1) Fidelity National Bank Medford WI 89.0 9.5 1.3 10.8 1,076 1,713 1,833 3,601 2,425 7.9 0.07 10.7 8.8 72.9 (1.0) Citizens State Bank Hudson WI 132.6 7.3 2.3 9.6 2,497 240 0 6,463 535 7.0 (1.23) 5.5 5.3 72.8 (12.1) Mitchell Bank Milwaukee WI 57.5 8.0 1.1 9.1 2,107 105 0 4,650 1,873 6.5 (0.05) 13.9 11.3 72.0 (2.0) Hartford Savings Bank Hartford WI 194.0 17.8 3.4 21.2 2,755 8,820 0 1,464 13,497 15.0 0.54 9.2 7.7 70.5 0.4 North Milwaukee State Bank Milwaukee WI 91.0 7.7 2.1 9.8 3,260 913 3 1,591 4,946 6.5 0.43 8.5 7.2 66.6 6.5 WaterStone Bank, SSB Wauwatosa WI 1,676.0 167.1 32.7 199.7 28,605 11,251 0 47,815 84,752 132.6 (15.28) 10.0 7.9 66.4 (9.5) The First National Bank of Eagle River Eagle River WI 142.0 13.1 0.9 14.0 857 1,865 2,076 2,443 4,447 9.0 1.11 9.2 6.3 64.2 7.6 The Necedah Bank Necedah WI 31.5 3.9 0.4 4.3 0 255 0 1,032 1,649 2.7 (0.11) 12.4 8.5 61.7 (2.8) Layton State Bank Milwaukee WI 152.0 14.7 1.1 15.8 3,238 0 0 6,164 3,435 9.6 (0.59) 9.6 6.3 60.9 (3.4) McFarland State Bank Mc Farland WI 451.1 60.4 10.5 70.9 29,175 2,623 0 8,185 34,988 43.2 (2.18) 13.4 9.6 60.9 (3.2) Security State Bank Iron River WI 88.0 12.5 2.3 14.8 3,710 767 0 1,248 7,521 8.8 0.16 14.2 10.0 59.1 0.4 State Bank of Cross Plains Cross Plains WI 780.5 66.9 17.0 83.9 15,911 26,801 29 5,514 43,906 49.4 (4.46) 8.6 6.3 58.9 (8.0) State Bank of Florence Florence WI 78.8 7.0 0.8 7.9 0 1,221 0 378 4,099 4.5 0.97 8.9 5.7 56.9 10.8 Southport Bank Kenosha WI 268.0 17.4 11.4 28.8 6,980 3,100 0 4,935 11,045 16.0 (2.23) 6.5 6.0 55.5 (6.9) Cambridge State Bank Cambridge WI 75.4 8.4 5.4 13.8 1,767 1,919 4 1,683 5,914 7.6 (1.92) 11.1 10.1 55.1 (11.7) PyraMax Bank, FSB Greenfield WI 445.8 37.3 6.9 44.2 4,974 5,461 0 3,551 20,775 24.3 (2.73) 8.4 5.5 55.0 (4.8) ISB Community Bank Ixonia WI 304.0 29.9 8.5 38.4 2,101 721 0 3,371 17,628 21.0 (10.49) 9.8 6.9 54.7 (54.3) The National Bank of Waupun Waupun WI 128.1 11.9 1.3 13.3 2,857 1,443 102 3,109 3,978 7.2 (1.47) 9.3 5.6 54.2 (12.4) Foundations Bank Pewaukee WI 144.0 9.6 2.2 11.8 1,679 0 0 4,311 2,013 6.3 (4.25) 6.6 4.4 53.7 (28.0) Fox River State Bank Burlington WI 88.0 7.9 1.7 9.6 4,063 1,439 0 3,476 1,511 5.0 (0.48) 9.0 5.7 51.7 (7.8) Bay Bank Green Bay WI 99.2 9.3 4.2 13.4 6,729 1,019 0 2,239 4,587 6.8 (0.37) 9.4 6.9 50.8 (3.8) Peoples Bank of Wisconsin Hayward WI 246.7 40.0 3.4 43.4 3,171 645 98 5,431 16,474 22.0 0.02 16.2 8.9 50.7 (0.4) Town and Country Bank Watertown WI 48.9 4.0 1.1 5.1 2,442 152 0 680 1,896 2.6 (0.02) 8.2 5.3 50.5 1.4 The Business Bank Appleton WI 274.4 31.2 4.8 36.0 2,395 133 0 3,951 14,158 18.1 2.87 11.4 6.6 50.2 7.6 Laona State Bank Laona WI 151.5 14.4 1.4 15.8 1,726 1,583 1 1,048 6,628 7.7 1.05 9.5 5.1 48.5 5.6 The Baraboo National Bank Baraboo WI 745.8 69.0 13.4 82.4 26,661 3,190 269 19,386 17,435 37.1 (11.50) 9.2 5.0 45.0 (14.1) Farmers and Merchants Bank of Kendall Kendall WI 54.2 7.0 0.8 7.8 0 1,668 5 192 3,288 3.5 0.83 12.9 6.4 45.0 9.8 The First Bank of Baldwin Baldwin WI 165.6 11.3 5.6 16.9 3,790 1,468 7 686 6,903 7.6 (1.15) 6.8 4.6 45.0 (4.8) Badger Bank Fort Atkinson WI 109.0 11.3 0.9 12.2 0 357 0 4,046 1,370 5.4 0.28 10.4 5.0 44.4 1.2 Commerce State Bank West Bend WI 309.2 29.6 4.9 34.6 4,411 1,478 0 5,290 9,802 15.1 (0.29) 9.6 4.9 43.7 (0.8) Chippewa Valley Bank Winter WI 254.0 20.9 2.5 23.4 859 2,133 0 3,177 6,742 9.9 0.81 8.2 3.9 42.3 3.1 Sunset Bank & Savings Waukesha WI 141.1 12.1 1.3 13.4 675 160 480 3,037 2,024 5.5 (0.73) 8.5 3.9 41.5 (6.2) InvestorsBank Waukesha WI 238.3 27.9 6.6 34.4 15,178 354 0 8,938 5,249 14.2 (0.17) 11.7 6.0 41.2 (1.2) Oregon Community Bank & Trust Oregon WI 170.5 21.0 4.2 25.2 1,868 131 0 6,189 4,044 10.2 (4.55) 12.3 6.0 40.6 (18.0) First State Bank New London WI 263.5 33.0 3.8 36.8 5,786 2,009 0 7,464 7,133 14.6 (1.50) 12.5 5.5 39.7 (4.2) Westbury Bank West Bend WI 546.0 39.5 6.0 45.4 4,507 4,572 402 3,343 13,936 17.7 (0.68) 7.2 3.2 38.9 (0.4) Bank of Sun Prairie Sun Prairie WI 317.3 42.4 6.7 49.1 16,165 5,003 0 16,543 1,705 18.2 (2.08) 13.4 5.8 37.1 (3.7) from Please see notes on last Page 1 of 6

Quality performing Asset Total ++ Total (Tier 1 + ) The First National Bank of Berlin Berlin WI 282.4 25.9 3.3 29.2 285 725 4 6,491 3,718 10.2 (0.06) 9.2 3.6 35.0 (1.0) Park Bank Milwaukee WI 808.1 81.4 14.7 96.1 5,822 1,484 0 6,139 27,287 33.4 6.93 10.1 4.1 34.8 7.0 Citizens Bank of Mukwonago Mukwonago WI 673.0 74.3 9.5 83.8 19,527 5,287 1 11,036 17,920 29.0 (3.83) 11.0 4.3 34.6 (5.0) Bank of Poynette Poynette WI 93.0 8.5 0.9 9.4 0 853 0 771 2,449 3.2 (0.40) 9.1 3.5 34.4 (5.8) Mid-Wisconsin Bank Medford WI 462.3 40.6 10.9 51.6 6,484 5,556 36 5,898 11,644 17.6 2.40 8.8 3.8 34.1 4.8 Marathon Savings Bank Wausau WI 183.1 20.4 1.4 21.9 379 7,036 1,427 212 5,749 7.4 (0.99) 11.2 4.0 33.8 (4.7) First Bank Tomah WI 97.4 8.8 1.1 9.9 1,828 1,160 0 570 2,751 3.3 0.47 9.0 3.4 33.6 3.9 Bank of Monticello Monticello WI 75.4 8.1 0.9 9.0 709 725 0 1,466 1,539 3.0 (0.13) 10.8 4.0 33.5 (1.8) The American National Bank of Beaver Dam Beaver Dam WI 113.2 11.6 0.9 12.5 0 722 0 1,646 2,538 4.2 (0.24) 10.3 3.7 33.4 (2.5) Wisconsin River Bank Sauk City WI 65.0 8.3 1.5 9.9 251 1,460 0 1,053 2,173 3.2 (0.52) 12.8 5.0 32.7 (5.5) American National Bank - Fox Cities Appleton WI 249.6 28.6 4.2 32.8 3,818 1,031 0 1,624 9,077 10.7 (0.69) 11.5 4.3 32.6 (0.5) Security Bank New Auburn WI 71.3 7.2 1.2 8.3 0 175 0 389 2,318 2.7 0.30 10.1 3.8 32.5 2.0 The First National Bank of River Falls River Falls WI 258.2 27.6 3.2 30.8 2,055 422 11 3,826 6,165 10.0 (0.12) 10.7 3.9 32.4 (0.7) North Shore Bank, FSB Brookfield WI 1,743.2 185.1 17.3 202.4 17,436 2,526 0 23,480 41,668 65.1 (11.58) 10.6 3.7 32.2 (6.0) Oak Bank Fitchburg WI 217.5 22.7 4.2 27.0 0 33 0 1,551 7,097 8.6 (0.50) 10.5 4.0 32.1 (2.9) Lincoln Community Bank Merrill WI 58.8 6.6 0.7 7.4 306 291 0 0 2,350 2.4 (0.43) 11.3 4.0 31.9 (6.5) Fox Valley Savings Bank Fond Du Lac WI 312.3 36.2 4.0 40.2 286 438 0 5,035 7,719 12.8 (0.44) 11.6 4.1 31.7 (1.1) Ladysmith Federal Savings and Loan AssociatioLadysmith WI 49.1 4.7 0.4 5.0 1,503 891 0 430 1,155 1.6 0.12 9.5 3.2 31.6 1.9 Peoples Bank Elkhorn WI 185.8 19.7 3.0 22.7 2,089 776 0 1,203 5,644 6.8 1.14 10.6 3.7 30.2 4.5 Bank of Mauston Mauston WI 251.5 27.9 1.9 29.8 1,652 2,602 0 2,974 6,004 9.0 (1.19) 11.1 3.6 30.1 (3.3) Community First Bank Boscobel WI 216.9 21.2 2.9 24.1 424 159 0 3,336 3,891 7.2 (2.17) 9.8 3.3 30.0 (8.5) The Greenwood's State Bank Lake Mills WI 63.4 6.1 0.6 6.7 0 239 0 1,168 836 2.0 0.01 9.6 3.2 29.9 (1.0) River Valley Bank Wausau WI 991.9 91.3 12.0 103.3 17,168 2,583 0 16,775 13,465 30.2 (5.80) 9.2 3.0 29.3 (5.8) Monona State Bank Monona WI 337.7 40.8 6.9 47.7 8,646 1,251 3 624 13,270 13.9 (0.03) 12.1 4.1 29.1 (0.7) Pioneer Bank of Wisconsin Ladysmith WI 63.0 6.0 0.3 6.2 1,044 138 0 32 1,768 1.8 (0.27) 9.5 2.9 28.9 (4.9) State Bank of Drummond Drummond WI 46.2 5.9 0.7 6.6 147 781 0 175 1,721 1.9 0.45 12.8 4.1 28.8 6.5 Calumet County Bank Brillion WI 89.0 9.0 0.8 9.8 435 233 0 79 2,717 2.8 (0.20) 10.1 3.1 28.6 (1.5) Tri City National Bank Oak Creek WI 1,152.7 120.0 11.6 131.5 22,584 9,383 997 7,550 28,660 37.2 (2.71) 10.4 3.2 28.3 (2.2) Baylake Bank Sturgeon Bay WI 1,039.8 94.4 12.7 107.1 3,805 3,064 0 10,357 19,672 30.0 (7.20) 9.1 2.9 28.0 (7.8) The Benton State Bank Benton WI 53.5 4.4 0.4 4.8 960 805 13 1,094 226 1.3 (0.11) 8.2 2.5 28.0 (2.6) Johnson Bank Racine WI 3,821.2 375.1 111.0 486.2 7,888 23,230 64 35,740 97,698 133.5 (33.32) 9.8 3.5 27.5 (6.5) First Bank Financial Centre Oconomowoc WI 732.9 63.2 5.8 69.0 6,468 1,107 0 13,737 4,693 18.4 (0.24) 8.6 2.5 26.7 (0.1) Horicon Bank Horicon WI 518.0 61.0 10.4 71.4 1,308 5,760 14 6,360 12,366 18.7 (0.31) 11.8 3.6 26.2 (1.1) Walworth State Bank Walworth WI 238.6 23.5 3.4 27.0 2,416 6,942 0 2,807 4,185 7.0 0.04 9.9 2.9 25.9 (0.1) Integrity First Bank Wausau WI 93.3 7.6 2.3 9.8 176 0 0 676 1,837 2.5 (0.17) 8.1 2.7 25.5 (0.8) Bank Mutual Brown Deer WI 2,633.1 240.1 26.0 266.1 13,458 19,954 736 16,460 49,682 66.9 (14.31) 9.1 2.5 25.1 (5.6) Tomahawk Community Bank S.S.B. Tomahawk WI 79.6 8.4 1.4 9.8 1,341 1,316 0 969 1,486 2.5 (0.32) 10.6 3.1 25.0 (3.3) Bankers' Bank Madison WI 455.6 53.0 15.2 68.2 2,867 73 0 1,536 15,269 16.8 (1.82) 11.6 3.7 24.6 (3.3) Farmers Exchange Bank Neshkoro WI 54.5 5.1 0.5 5.6 0 0 699 223 466 1.4 0.73 9.4 2.5 24.6 12.5 First Business Bank-Milwaukee Brookfield WI 210.9 14.1 1.6 15.7 0 342 0 1,124 2,713 3.8 (0.52) 6.7 1.8 24.5 (3.5) PremierBank Fort Atkinson WI 290.4 34.2 2.8 37.0 495 1,757 0 942 8,076 9.0 3.69 11.8 3.1 24.3 10.2 The Port Washington State Bank Port Washington WI 425.6 35.1 6.4 41.5 11,498 5,707 0 3,834 6,216 10.1 2.23 8.3 2.4 24.2 5.0 Bank of Lake Mills Lake Mills WI 178.6 16.7 1.9 18.6 4,207 2,068 6 1,936 2,535 4.5 (0.20) 9.4 2.5 24.0 (0.7) Bank of Ontario Ontario WI 34.3 4.0 0.6 4.6 0 570 0 66 1,045 1.1 0.14 11.8 3.2 24.0 2.4 Investors Community Bank Manitowoc WI 701.5 87.0 10.6 97.6 8,171 461 0 10,521 12,724 23.2 (5.48) 12.4 3.3 23.8 (6.5) Blackhawk Bank Beloit WI 556.4 49.0 7.1 56.1 11,320 8,337 0 2,579 10,773 13.4 (1.76) 8.8 2.4 23.8 (3.2) First Federal Bank of Wisconsin Waukesha WI 117.8 12.5 0.8 13.3 246 678 192 1,331 1,640 3.2 (0.04) 10.6 2.7 23.7 (0.5) Waukesha State Bank Waukesha WI 822.7 96.6 6.3 102.9 147 4,722 14 20,329 4,087 24.4 0.33 11.7 3.0 23.7 0.3 Farmers & Merchants State Bank Waterloo WI 140.5 16.4 2.0 18.4 822 608 0 1,105 3,192 4.3 0.41 11.7 3.1 23.3 1.7 from Please see notes on last Page 2 of 6

Quality performing Asset Total ++ Total (Tier 1 + ) Union State Bank Kewaunee WI 80.2 8.5 0.9 9.4 535 756 0 285 1,881 2.2 (0.18) 10.6 2.7 23.1 (2.2) Community State Bank Union Grove WI 283.2 30.8 5.9 36.6 1,335 4,960 0 628 7,735 8.4 0.99 10.9 3.0 22.8 2.3 State Bank of Chilton Chilton WI 151.5 21.7 2.2 23.9 2,843 680 0 3,377 1,931 5.3 (0.56) 14.3 3.5 22.2 (2.9) First National Community Bank New Richmond WI 167.0 14.3 1.4 15.7 2,771 114 25 2,626 775 3.4 (0.93) 8.6 2.1 21.9 (5.8) Waumandee State Bank Waumandee WI 157.1 13.2 2.5 15.6 0 492 0 211 3,164 3.4 (0.35) 8.4 2.1 21.6 (3.2) Bank of Alma Alma WI 202.1 69.4 3.6 73.0 1,107 4,813 0 630 15,105 15.7 (1.15) 34.3 7.8 21.5 (1.9) Home Savings Bank Madison WI 131.2 8.9 1.1 10.0 819 889 0 1,199 934 2.1 (0.32) 6.8 1.6 21.4 (3.6) First American Bank, N.A. Hudson WI 85.4 9.7 0.8 10.5 492 156 0 1,429 796 2.2 (0.02) 11.3 2.6 21.2 (0.4) Nicolet National Bank Green Bay WI 654.2 70.6 6.0 76.7 0 196 0 890 15,331 16.2 (1.51) 10.8 2.5 21.2 (2.3) Union Bank of Blair Blair WI 87.9 8.0 1.1 9.0 528 487 4 231 1,648 1.9 0.40 9.1 2.1 20.8 4.2 The First National Bank of Hartford Hartford WI 172.3 20.2 1.1 21.4 2,228 405 0 2,621 1,801 4.4 (0.27) 11.8 2.6 20.7 (1.5) Wisconsin Community Bank Madison WI 497.4 46.8 3.7 50.5 2,828 394 0 2,785 7,463 10.2 0.21 9.4 2.1 20.3 0.9 The First National Bank of Niagara Niagara WI 69.9 6.9 0.6 7.4 0 771 822 235 446 1.5 0.12 9.8 2.1 20.2 1.6 First National Bank Waupaca WI 762.9 71.1 6.7 77.8 14,495 2,594 1,342 2,287 11,981 15.6 (1.71) 9.3 2.0 20.1 (2.4) Mayville Savings Bank Mayville WI 56.5 5.2 0.2 5.4 131 634 14 810 256 1.1 0.00 9.2 1.9 20.0 (0.3) Waldo State Bank Waldo WI 59.2 6.4 0.5 6.9 219 279 0 0 1,377 1.4 (0.17) 10.9 2.3 19.9 (2.9) National Bank of Commerce Superior WI 494.8 55.5 4.0 59.4 0 2,365 360 3,499 7,803 11.7 (0.97) 11.2 2.4 19.6 (2.2) Livingston State Bank Livingston WI 161.0 15.2 2.2 17.4 327 711 0 1,245 2,173 3.4 (0.68) 9.5 2.1 19.6 (4.3) Royal Bank Elroy WI 315.9 29.6 3.2 32.8 268 3,274 16 411 5,988 6.4 (1.07) 9.4 2.0 19.5 (3.5) Bank of Oakfield Oakfield WI 78.2 7.9 0.6 8.4 0 15 2 641 993 1.6 (0.28) 10.0 2.1 19.4 (3.8) Bank of Deerfield Deerfield WI 98.9 13.4 2.2 15.6 113 2,425 3 1,453 1,572 3.0 (0.25) 13.6 3.1 19.4 (2.1) Woodford State Bank Woodford WI 177.1 17.0 3.6 20.5 891 1,762 0 212 3,739 4.0 (0.24) 9.6 2.2 19.3 (1.6) Northwestern Bank Chippewa Falls WI 388.5 39.1 4.1 43.2 2,501 99 0 2,547 5,630 8.2 (0.59) 10.1 2.1 18.9 (2.1) The First National Bank of Bangor Bangor WI 201.2 42.9 2.7 45.6 7,171 7,317 9 462 8,087 8.6 (0.84) 21.3 4.3 18.8 (2.3) The Park Bank Madison WI 748.4 82.0 13.7 95.7 23,435 15,343 0 5,779 12,133 17.9 (5.00) 11.0 2.4 18.7 (5.7) Farmers State Bank Markesan WI 73.2 9.7 1.4 11.1 2,378 484 0 978 1,090 2.1 (0.25) 13.3 2.8 18.6 (2.2) State Bank of Newburg Newburg WI 158.4 23.4 2.7 26.1 2,780 3,850 0 112 4,642 4.8 (0.62) 14.8 3.0 18.2 (3.0) United Bank Osseo WI 211.8 19.9 2.6 22.5 1,934 2,892 0 40 4,023 4.1 (1.13) 9.4 1.9 18.1 (5.9) Community Bank & Trust Sheboygan WI 540.3 50.5 11.3 61.9 6,395 1,380 21 3,926 7,120 11.1 (2.40) 9.4 2.0 17.9 (4.3) National Exchange Bank and Trust Fond Du Lac WI 1,195.4 204.3 14.5 218.8 10,602 1,989 6 18,228 20,532 38.8 13.07 17.1 3.2 17.7 6.0 Peoples State Bank Wausau WI 605.9 56.8 7.6 64.4 5,861 1,128 0 2,642 8,682 11.3 (0.34) 9.4 1.9 17.6 0.7 Highland State Bank Highland WI 28.3 2.6 0.3 2.9 0 0 216 0 296 0.5 0.09 9.3 1.8 17.5 3.4 Banner Banks Birnamwood WI 91.2 11.2 0.9 12.1 854 0 0 570 1,546 2.1 0.02 12.3 2.3 17.5 0.1 River Bank Stoddard WI 422.8 44.4 4.2 48.6 1,162 3,204 0 2,749 5,714 8.5 2.61 10.5 2.0 17.4 5.1 Pigeon Falls State Bank Pigeon Falls WI 66.5 7.1 0.6 7.7 0 256 0 392 934 1.3 (0.17) 10.6 2.0 17.2 (2.1) Intercity State Bank Schofield WI 161.3 26.5 2.4 29.0 3,242 2,623 0 1,318 3,671 5.0 0.05 16.5 3.1 17.2 (0.2) Cornerstone Community Bank Grafton WI 123.7 11.4 1.4 12.8 1,629 623 0 603 1,568 2.2 0.11 9.2 1.8 17.0 0.4 Pioneer Bank Auburndale WI 117.8 13.6 0.5 14.1 0 448 0 0 2,360 2.4 0.06 11.5 2.0 16.7 0.4 Farmers & Merchants Bank & Trust Marinette WI 156.3 14.3 1.7 16.0 1,097 1,013 0 568 2,087 2.7 (0.20) 9.2 1.7 16.6 (1.3) Bank of Wisconsin Dells Wisconsin Dells WI 376.7 39.9 4.4 44.3 1,100 741 28 1,600 5,704 7.3 (1.52) 10.6 1.9 16.6 (3.5) Mid America Bank Janesville WI 113.1 11.4 0.9 12.3 0 1,124 0 528 1,502 2.0 (0.09) 10.1 1.8 16.5 (1.3) Security Financial Bank Durand WI 310.2 32.6 4.6 37.2 5,417 296 0 1,488 4,636 6.1 (2.56) 10.5 2.0 16.5 (7.2) Black River Country Bank Black River Fall WI 69.8 9.1 0.8 9.9 0 187 0 798 826 1.6 (0.18) 13.0 2.3 16.4 (1.8) Citizens State Bank Cadott WI 99.5 9.1 1.4 10.5 228 1,584 0 1,050 653 1.7 (0.43) 9.2 1.7 16.3 (4.6) Mound City Bank Platteville WI 261.0 24.1 2.5 26.5 3,352 246 0 2,651 1,642 4.3 (2.28) 9.2 1.6 16.2 (8.9) Portage County Bank Almond WI 98.0 10.0 1.0 11.0 0 23 58 1,167 541 1.8 (0.02) 10.2 1.8 16.1 (0.4) Denmark State Bank Denmark WI 388.3 41.3 6.1 47.4 5,438 471 0 439 7,167 7.6 (2.08) 10.6 2.0 16.1 (4.4) Dairyland State Bank Bruce WI 76.8 7.5 0.8 8.3 534 572 0 558 771 1.3 (0.21) 9.8 1.7 16.1 (2.8) AbbyBank Abbotsford WI 313.7 29.1 3.7 32.8 4,247 1,787 0 1,694 3,467 5.2 1.82 9.3 1.6 15.7 5.4 from Please see notes on last Page 3 of 6

Quality performing Asset Total ++ Total (Tier 1 + ) Union Bank & Trust Company Evansville WI 192.2 16.2 0.9 17.1 686 1,301 0 1,307 1,380 2.7 (0.97) 8.4 1.4 15.7 (5.6) Community Bank of Cameron Cameron WI 108.5 9.8 1.0 10.8 1,180 804 0 268 1,386 1.7 (0.04) 9.0 1.5 15.3 (0.4) The Pineries Bank Stevens Point WI 65.8 6.1 0.7 6.7 0 591 0 370 643 1.0 0.12 9.2 1.5 15.1 1.4 Farmers & Merchants Bank Tomah WI 199.2 20.5 3.9 24.3 5,081 4,809 756 134 2,770 3.7 (0.25) 10.3 1.8 15.0 (1.2) Forward Financial Bank SSB Marshfield WI 270.2 24.1 2.6 26.7 99 317 0 851 3,125 4.0 (0.38) 8.9 1.5 14.9 (2.0) Grand Marsh State Bank Grand Marsh WI 123.2 17.4 0.8 18.2 0 938 15 1,222 1,457 2.7 (0.42) 14.1 2.2 14.8 (2.6) The Bank of New Glarus New Glarus WI 209.2 18.5 3.1 21.6 1,478 1,654 0 189 2,893 3.1 (1.06) 8.9 1.5 14.2 (5.4) Bank of Galesville Galesville WI 85.0 12.8 0.9 13.8 725 332 0 571 1,368 1.9 (0.09) 15.1 2.3 14.1 (0.8) Bank of Milton Milton WI 77.8 6.6 1.0 7.6 0 710 0 675 386 1.1 0.19 8.5 1.4 14.1 2.6 Alliance Bank Mondovi WI 151.1 14.4 1.4 15.8 851 1,926 67 1,018 1,132 2.2 0.06 9.5 1.5 14.0 0.6 Hiawatha National Bank Hager City WI 95.7 14.1 0.5 14.6 389 44 0 325 1,724 2.0 0.02 14.8 2.1 14.0 0.1 Associated Bank, National Association Green Bay WI 21,808.1 2,232.1 315.5 2,547.6 120,003 62,240 5,224 39,692 311,241 356.2 (0.36) 10.2 1.6 14.0 (0.0) Town Bank Hartland WI 833.2 76.6 7.4 84.0 10,714 3,534 462 6,173 5,091 11.7 (4.20) 9.2 1.4 14.0 (5.2) Hustisford State Bank Hustisford WI 52.4 7.7 0.7 8.3 0 762 0 145 1,002 1.1 (0.11) 14.6 2.2 13.8 (1.6) Paper City Savings Association Wisconsin RapidsWI 159.5 15.2 0.7 15.9 2,146 1,035 0 214 1,957 2.2 (0.16) 9.5 1.4 13.6 (1.3) Bay View Federal Savings and Loan AssociationMilwaukee WI 138.2 17.6 1.4 18.9 132 114 0 791 1,766 2.6 0.02 12.7 1.9 13.5 (0.2) BLC Community Bank Little Chute WI 194.6 25.7 5.6 31.3 8,951 1,590 0 897 3,313 4.2 (0.42) 13.2 2.2 13.5 (1.7) Community Bank of Northern Wisconsin Rice Lake WI 147.5 13.9 1.9 15.8 2,167 686 0 602 1,506 2.1 (0.19) 9.4 1.4 13.4 (1.4) First National Bank and Trust Barron WI 50.0 4.0 0.5 4.5 0 189 0 130 462 0.6 (0.10) 7.9 1.2 13.3 (2.6) John O. Melby & Co. Bank Whitehall WI 41.2 4.5 0.3 4.8 223 251 0 0 638 0.6 (0.01) 10.9 1.5 13.2 (0.3) The Peoples Community Bank Mazomanie WI 230.1 26.1 4.8 30.9 5,302 1,533 0 1,776 2,287 4.1 (0.37) 11.4 1.8 13.1 (1.7) Citizens First Bank Viroqua WI 155.9 15.2 2.4 17.5 615 931 0 178 2,108 2.3 0.46 9.7 1.5 13.0 2.4 Stratford State Bank Stratford WI 101.7 10.3 0.9 11.2 1,545 434 29 930 492 1.5 0.17 10.2 1.4 13.0 1.2 Premier Community Bank Marion WI 200.4 22.4 3.0 25.3 745 1,088 0 540 2,676 3.2 0.01 11.2 1.6 12.7 (0.2) Bank of Turtle Lake Turtle Lake WI 63.7 5.6 0.4 6.0 0 402 0 77 684 0.8 (0.04) 8.8 1.2 12.6 (0.4) Dairy State Bank Rice Lake WI 430.2 45.6 5.8 51.4 13,031 689 0 248 6,120 6.4 (2.23) 10.6 1.5 12.4 (4.6) WOODTRUST BANK, N. A. Wisconsin RapidsWI 342.0 33.8 2.7 36.5 3,408 855 292 2,228 1,948 4.5 0.17 9.9 1.3 12.2 0.3 Farmers and Merchants Bank Rudolph WI 26.3 3.0 0.3 3.3 270 490 0 120 279 0.4 0.10 11.3 1.5 12.2 2.9 Choice bank Oshkosh WI 182.7 17.4 4.7 22.1 1,336 314 0 1,020 1,585 2.6 0.30 9.5 1.4 11.8 1.0 Wolf River Community Bank Hortonville WI 121.0 14.8 1.8 16.6 1,568 766 0 927 1,017 1.9 0.03 12.2 1.6 11.7 (0.0) Headwaters State Bank Land O Lakes WI 65.0 8.6 0.5 9.1 0 1,359 0 340 719 1.1 (0.26) 13.2 1.6 11.6 (3.0) First Business Bank Madison WI 961.4 103.8 13.2 117.0 536 747 0 812 12,738 13.6 (4.88) 10.8 1.4 11.6 (4.5) Charter Bank Eau Claire Eau Claire WI 554.9 70.4 11.9 82.3 12,895 1,999 0 1,297 8,207 9.5 0.19 12.7 1.7 11.5 0.1 The First National Bank - Fox Valley Neenah WI 320.9 35.1 2.8 38.0 2,383 485 0 2,295 2,088 4.4 (0.31) 10.9 1.4 11.5 (1.1) Timberwood Bank Tomah WI 170.4 19.3 3.4 22.7 2,253 397 0 1,396 1,200 2.6 (0.08) 11.3 1.5 11.4 (0.4) First National Bank at Darlington Darlington WI 91.0 11.6 0.8 12.4 0 733 900 217 257 1.4 0.54 12.8 1.5 11.1 4.2 Union National Bank & Trust Company Sparta WI 101.4 15.2 0.7 16.0 0 331 0 0 1,760 1.8 0.76 15.0 1.7 11.0 4.6 Citizens State Bank of La Crosse La Crosse WI 115.5 10.0 1.0 11.0 0 125 469 601 133 1.2 0.45 8.6 1.0 11.0 3.6 Markesan State Bank Markesan WI 144.1 15.8 1.2 16.9 0 4,414 0 1,275 582 1.9 (0.88) 10.9 1.3 11.0 (5.4) La Farge State Bank La Farge WI 51.7 16.7 0.3 17.0 0 308 80 313 1,437 1.8 0.05 32.3 3.5 10.8 0.1 Bank of Prairie du Sac Prairie Du Sac WI 301.4 48.0 5.5 53.5 2,130 442 6 225 5,505 5.7 2.75 15.9 1.9 10.7 5.1 River Cities Bank Wisconsin RapidsWI 195.4 23.5 3.4 26.9 6,808 489 0 698 2,188 2.9 0.06 12.0 1.5 10.7 (0.1) DMB Community Bank De Forest WI 318.5 33.0 5.8 38.8 20,091 2 3 854 3,283 4.1 (1.15) 10.4 1.3 10.7 (3.0) Peoples State Bank Prairie Du Chien WI 521.9 49.6 6.9 56.5 1,462 2,972 0 408 5,568 6.0 (1.15) 9.5 1.1 10.6 (2.3) Northern State Bank Ashland WI 223.4 18.0 1.1 19.0 1,929 203 0 1,513 473 2.0 0.36 8.0 0.9 10.4 1.8 Farmers and Merchants Union Bank Columbus WI 266.8 27.1 5.0 32.1 6,819 169 58 2,977 240 3.3 (2.23) 10.2 1.2 10.2 (7.2) West Pointe Bank Oshkosh WI 326.8 42.3 12.3 54.6 17,920 2,065 0 733 4,746 5.5 (0.64) 13.0 1.7 10.0 (1.4) Community Bank CBD Delavan WI 225.5 25.0 2.5 27.5 7,003 1,107 4 923 1,824 2.8 (0.15) 11.1 1.2 10.0 (0.5) Thrivent Financial Bank Appleton WI 540.9 59.1 5.1 64.1 6,923 2,257 0 2,044 4,365 6.4 1.65 10.9 1.2 10.0 2.5 from Please see notes on last Page 4 of 6

Quality performing Asset Total ++ Total (Tier 1 + ) Citizens State Bank of Loyal Loyal WI 154.2 15.5 1.2 16.8 992 633 0 243 1,428 1.7 (0.01) 10.1 1.1 10.0 (0.2) Oostburg State Bank Oostburg WI 178.1 23.0 2.9 25.8 0 601 80 279 2,197 2.6 (2.11) 12.9 1.4 9.9 (8.6) Spring Bank Brookfield WI 153.6 17.6 2.0 19.6 596 0 0 50 1,892 1.9 0.00 11.5 1.3 9.9 (0.3) First Community Bank Milton WI 79.7 8.1 0.9 9.1 503 278 5 72 820 0.9 (0.67) 10.2 1.1 9.9 (7.5) Community Financial Bank Prentice WI 30.7 4.6 0.3 4.9 184 200 0 200 280 0.5 (0.04) 14.9 1.6 9.8 (0.8) Middleton Community Bank Middleton WI 224.4 27.0 5.1 32.2 4,300 491 0 731 2,411 3.1 1.06 12.0 1.4 9.8 3.2 The Farmers & Merchants Bank Berlin WI 187.1 21.6 2.3 23.9 2,249 3,106 0 144 2,179 2.3 0.28 11.5 1.2 9.7 0.9 Cumberland Federal Bank, FSB Cumberland WI 84.6 10.3 0.7 11.0 279 409 0 20 1,038 1.1 0.25 12.2 1.3 9.6 2.1 The International Bank of Amherst Amherst WI 49.3 7.0 0.3 7.3 0 186 0 379 317 0.7 0.01 14.3 1.4 9.5 (0.0) Nekoosa Port Edwards State Bank Nekoosa WI 208.0 24.4 2.7 27.1 0 950 0 113 2,426 2.5 (0.68) 11.7 1.2 9.4 (2.6) Citizens Community Federal Eau Claire WI 533.4 53.5 5.7 59.2 6,520 5,244 767 905 3,848 5.5 (0.58) 10.0 1.0 9.3 (0.9) Community First Bank Rosholt WI 68.0 6.4 0.8 7.1 647 259 4 658 0 0.7 (0.06) 9.4 1.0 9.3 (1.1) Bremer Bank, National Association Menomonie WI 638.4 47.0 5.9 52.9 4,041 4,646 213 1,006 3,685 4.9 (0.82) 7.4 0.8 9.3 (1.5) Gratiot State Bank Gratiot WI 44.6 4.7 0.1 4.8 0 230 0 9 430 0.4 0.23 10.4 1.0 9.2 4.8 American Bank & Trust Wisconsin Cuba City WI 132.7 12.6 1.3 13.9 1,142 309 41 537 678 1.3 0.12 9.5 0.9 9.0 0.7 East Wisconsin Savings Bank, S.A. Kaukauna WI 238.5 19.1 0.7 19.7 2,172 871 518 101 1,146 1.8 0.33 8.0 0.7 8.9 1.6 Coulee Bank La Crosse WI 279.0 25.6 2.5 28.1 0 2,147 0 1,148 1,363 2.5 (1.21) 9.2 0.9 8.9 (4.1) The Stephenson National Bank and Trust Marinette WI 290.1 30.0 3.1 33.1 0 4,673 765 989 1,161 2.9 (1.86) 10.3 1.0 8.8 (6.0) The First National Bank and Trust Company Beloit WI 805.4 75.6 8.6 84.3 8,211 2,384 476 600 6,155 7.2 (0.03) 9.4 0.9 8.6 (0.2) Hometown Bank Fond Du Lac WI 201.5 28.1 4.1 32.2 0 494 1 58 2,700 2.8 (0.03) 14.0 1.4 8.6 (0.3) State Bank of Reeseville Reeseville WI 53.3 6.7 0.4 7.1 0 395 0 512 92 0.6 (0.19) 12.5 1.1 8.5 (2.9) Bank North Crivitz WI 122.4 13.3 1.4 14.7 104 1,571 0 100 1,157 1.3 (0.48) 10.9 1.0 8.5 (3.3) The Peshtigo National Bank Peshtigo WI 169.7 17.5 1.8 19.3 34 1,254 0 48 1,557 1.6 (0.24) 10.3 0.9 8.3 (1.6) Shell Lake State Bank Shell Lake WI 148.9 26.3 1.1 27.4 689 1,037 11 765 1,485 2.3 (0.41) 17.6 1.5 8.2 (1.7) Great Midwest Bank, S.S.B. Brookfield WI 516.8 98.2 4.3 102.5 9,615 1,521 0 1,640 6,556 8.2 (4.36) 19.0 1.6 8.0 (4.3) TSB Bank Lomira WI 95.3 8.1 0.7 8.8 794 192 0 334 359 0.7 (0.21) 8.5 0.7 7.9 (2.6) Union State Bank of West Salem West Salem WI 60.2 7.7 0.5 8.2 0 877 0 17 612 0.6 (0.22) 12.7 1.0 7.7 (2.5) River Falls State Bank River Falls WI 83.4 12.9 0.7 13.7 0 383 0 360 676 1.0 (0.05) 15.5 1.2 7.6 (0.4) The First National Bank of Platteville Platteville WI 130.0 12.3 1.1 13.4 1,744 730 185 68 735 1.0 0.07 9.5 0.8 7.4 0.5 State Bank of Cazenovia Cazenovia WI 34.1 5.9 0.4 6.3 0 24 0 0 459 0.5 0.05 17.3 1.3 7.2 0.8 Bank First National Manitowoc WI 933.6 78.8 8.0 86.7 0 2,124 97 1,593 4,560 6.3 (0.03) 8.4 0.7 7.2 (0.2) KeySavings Bank Wisconsin RapidsWI 80.6 11.1 0.2 11.3 0 586 0 411 394 0.8 0.01 13.8 1.0 7.1 0.1 Heritage Bank Spencer WI 100.1 9.7 1.3 11.0 0 343 0 649 130 0.8 0.01 9.7 0.8 7.1 (0.0) Peoples State Bank of Bloomer Bloomer WI 115.7 13.3 1.2 14.5 1,311 203 0 0 999 1.0 (0.32) 11.5 0.9 6.9 (2.2) Jackson County Bank Black River Fall WI 234.7 21.8 2.5 24.3 0 2,160 0 91 1,565 1.7 (0.13) 9.3 0.7 6.8 (0.5) Farmers Savings Bank Mineral Point WI 233.1 19.5 3.2 22.7 2,163 709 0 300 1,246 1.5 0.14 8.4 0.7 6.8 0.5 Cleveland State Bank Cleveland WI 97.7 8.4 1.0 9.4 0 574 0 0 634 0.6 (0.05) 8.6 0.6 6.8 (1.1) Farmers & Merchants Bank, of Orfordville Orfordville WI 41.3 4.6 0.6 5.2 0 329 0 0 339 0.3 (0.06) 11.1 0.8 6.6 (1.4) State Bank Financial La Crosse WI 304.4 30.5 4.5 35.0 2,361 2,000 0 1,291 951 2.2 0.18 10.0 0.7 6.4 0.5 Farmers State Bank Hillsboro WI 99.7 13.6 0.3 14.0 130 913 4 487 351 0.8 (0.43) 13.7 0.8 6.0 (3.4) Bank of Cashton Cashton WI 65.6 6.1 0.7 6.8 1,193 301 8 234 161 0.4 0.06 9.3 0.6 5.9 0.8 The Farmers State Bank of Waupaca Waupaca WI 181.9 25.3 2.3 27.6 898 1,903 0 595 971 1.6 0.33 13.9 0.9 5.7 1.1 Capitol Bank Madison WI 268.1 24.3 5.3 29.6 7,463 943 0 0 1,676 1.7 0.68 9.0 0.6 5.7 2.2 Bank of Luxemburg Luxemburg WI 250.5 24.2 2.7 26.9 2,438 883 0 1,205 308 1.5 (0.42) 9.7 0.6 5.6 (1.7) Park Bank Holmen WI 47.0 6.9 0.5 7.4 0 501 0 87 314 0.4 0.09 14.6 0.9 5.4 1.2 Commercial Bank Whitewater WI 98.4 10.0 0.5 10.5 0 1,336 0 286 266 0.6 0.22 10.2 0.6 5.3 2.1 Advantage Community Bank Dorchester WI 123.6 12.8 1.5 14.3 0 0 0 482 248 0.7 (0.02) 10.3 0.6 5.1 (0.2) Richland County Bank Richland Center WI 104.4 22.0 0.8 22.7 0 802 0 462 639 1.1 0.20 21.0 1.1 4.8 0.8 Independence State Bank Independence WI 61.9 5.3 0.6 5.9 806 88 0 249 17 0.3 (0.19) 8.6 0.4 4.5 (3.3) from Please see notes on last Page 5 of 6

Quality performing Asset Total ++ Total (Tier 1 + ) Superior Bank Superior WI 32.7 4.1 0.3 4.5 0 574 0 171 0 0.2 0.00 12.7 0.5 3.8 0.0 Greenleaf Wayside Bank Greenleaf WI 69.1 6.2 0.8 7.0 31 97 0 0 248 0.2 0.00 8.9 0.4 3.5 (0.0) The First National Bank of Park Falls Park Falls WI 112.7 11.2 0.5 11.7 303 1 0 283 128 0.4 (0.04) 9.9 0.4 3.5 (0.3) Superior Savings Bank Superior WI 61.8 10.6 1.7 12.3 0 2,369 0 51 360 0.4 0.20 17.1 0.7 3.3 1.6 Community State Bank Norwalk WI 26.7 1.8 0.2 2.0 0 196 0 52 15 0.1 (0.14) 6.9 0.3 3.3 (6.6) American Bank Fond Du Lac WI 222.1 43.2 3.9 47.1 157 653 0 318 1,183 1.5 1.02 19.4 0.7 3.2 2.2 Clare Bank, National Association Platteville WI 268.0 24.6 0.6 25.2 0 1,179 304 172 293 0.8 (0.13) 9.2 0.3 3.1 (0.6) First National Bank in Tigerton Tigerton WI 20.5 3.3 0.1 3.4 0 45 99 0 0 0.1 (0.14) 16.0 0.5 2.9 (4.2) Unity Bank Augusta WI 77.9 7.6 0.8 8.4 0 841 0 0 175 0.2 0.03 9.8 0.2 2.1 0.4 State Bank of Arcadia Arcadia WI 121.9 10.3 0.7 11.0 0 136 0 157 71 0.2 (0.03) 8.4 0.2 2.1 (0.3) Time Federal Savings Bank Medford WI 616.4 107.1 0.8 107.9 672 1,439 605 41 1,102 1.7 0.74 17.4 0.3 1.6 0.7 John Deere Financial, f.s.b. Madison WI 2,513.5 457.3 39.7 497.0 0 19,688 6,122 0 736 6.9 3.10 18.2 0.3 1.4 0.6 Sterling Bank Barron WI 194.4 16.9 1.7 18.6 0 0 0 201 45 0.2 (0.00) 8.7 0.1 1.3 (0.0) Merrill Federal Savings and Loan Association Merrill WI 44.6 5.0 0.6 5.5 176 249 0 0 30 0.0 (0.13) 11.1 0.1 0.5 (2.5) First Citizens State Bank Whitewater WI 250.8 38.3 1.9 40.2 0 0 0 0 209 0.2 0.17 15.3 0.1 0.5 0.4 The Bank of Brodhead Brodhead WI 132.3 16.7 0.8 17.5 0 463 3 0 36 0.0 (0.05) 12.6 0.0 0.2 (0.3) Bonduel State Bank Bonduel WI 50.0 11.0 0.2 11.1 0 490 0 0 10 0.0 (0.04) 22.0 0.0 0.1 (0.4) Collins State Bank Collins WI 47.2 4.6 0.4 5.0 94 45 0 0 0 0.0 0.00 9.8 0.0 0.0 0.0 PALMYRA STATE BANK Palmyra WI 38.4 7.0 0.2 7.2 0 263 0 0 0 0.0 0.00 18.2 0.0 0.0 0.0 State Bank Gresham WI 22.7 6.1 0.1 6.3 0 199 0 0 0 0.0 (0.09) 27.0 0.0 0.0 (1.4) Marathon State Bank Marathon WI 102.4 6.1 0.0 6.1 0 192 0 0 0 0.0 (0.00) 5.9 0.0 0.0 (0.0) Milton Savings Bank Milton WI 14.2 1.0 0.1 1.1 0 87 0 0 0 0.0 0.00 6.7 0.0 0.0 0.0 Northwestern Mutual Wealth Management Milwaukee WI 177.3 114.7 0.0 114.7 0 0 0 0 0 0.0 0.00 64.7 0.0 0.0 0.0 M&I Bank of Mayville Mayville WI 3.1 2.4 0.0 2.4 0 0 0 0 0 0.0 0.00 77.8 0.0 0.0 0.0 Settlers Bank De Forest WI 102.6 10.3 1.2 11.6 0 0 0 0 0 0.0 0.00 10.1 0.0 0.0 0.0 WPS Community Bank, FSB Madison WI 59.0 8.5 0.5 9.0 0 0 0 0 0 0.0 0.00 14.5 0.0 0.0 0.0 from is a measure of a bank's credit troubles. It is calculated by divding the value of the bank's nonperforming assets by the sum of its tangible common equity and loan loss reserves. The illustrated takes into the account of the non-performing assets that are guaranteed by the government or covered by the FDIC Loss Sharing Program. Excluding assets covered by government 90+ days excluding what is covered by Government Guarantee or FDIC Loan Loss ecluding what is covered by FDIC Loss Sharingnot covered in status, excluding what is covered by government guarantees or FDIC Loss Shaing Data presented in this report is based on FDIC statistics as of 6/30/2012. Every effort has been made to ensure the accuracy of these data. Information provided is for references only. Copyright 2012, Bankers Benefits, Inc. Do not reproduce or forward. For update or copies please e-mail info@bankersbenefits.com. Please see notes on last Page 6 of 6

What Does Mean? A ratio developed by Gerald Cassidy and other analysts at RDC Capital 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.