NINTH FEDERAL RESERVE DISTRICT, BANK DIRECTORY, BY STATE DATA FOR DECEMBER 31, 1994 (SOME COLUMNS ARE HIDDEN) Loan Portfolio Performance Ratios Loan Categories as a Percent of Total Loans NORTHWESTERN WISCONSIN Total Capital Total Loans Return Net Non-Curre Assets (in as a % of (in thousands Commercial Total Loans: Real Loans to Other on Average Return onInterest Loans to Loans to Bank Name City thousands of $) Assets of $) & Industrial Agricultural Estate Individua Loans Assets Equity Margin Deposits Total Loa M&I CMNTY ST BK EAU CLAIRE 415,685 9.0 282,547 12.9 14.8 55.0 16.5 0.9 0.6 6.0 4.4 79.8 0.7 FIRSTAR BK EAU CLAIRE NA EAU CLAIRE 303,732 7.4 190,854 21.0 0.8 45.3 25.3 7.6 1.5 20.5 4.9 84.2 0.1 FIRST AMERICAN BK WI MENOMONIE 281,976 8.0 161,886 12.1 19.7 48.3 10.4 9.6 1.2 14.3 3.8 66.6 1.5 NORWEST BK LACROSSE NA LA CROSSE 276,690 6.8 187,309 30.1 1.8 33.2 33.8 1.1 1.3 19.9 4.2 85.3 0.2 MID-WISCONSIN BK MEDFORD 237,316 7.8 165,422 10.2 15.4 63.7 6.9 3.9 1.2 13.8 4.7 87.2 0.9 STATE BK OF LA CROSSE LA CROSSE 175,432 9.5 100,149 30.5 0.7 49.6 14.8 4.5 1.4 14.4 4.6 70.1 0.2 NATIONAL BK OF CMRC SUPERIOR SUPERIOR 167,745 11.8 99,180 29.8 0.4 55.8 9.9 4.2 1.5 13.2 4.9 71.1 0.8 NORWEST BK WI EAU CLAIRE NA EAU CLAIRE 159,265 5.9 64,484 21.0 0.9 54.8 21.6 1.7 1.1 18.9 4.8 46.8 1.3 FIRSTAR BK NA RICE LAKE 157,209 7.9 97,931 15.6 13.3 46.8 17.3 7.0 1.5 20.1 4.7 69.8 0.5 NORTHWESTERN BK CHIPPEWA FALLS 143,125 12.3 68,054 15.5 20.7 52.0 8.4 3.4 1.6 13.3 5.1 53.7 1.2 M&I MERCHANTS BK RHINELANDER 131,759 7.5 104,843 11.7 0.0 77.5 10.8 0.0 1.5 19.4 5.0 87.0 0.3 FIRST NB OF RIVER FALLS RIVER FALLS 129,923 10.6 80,335 9.4 9.7 61.0 9.2 10.7 1.4 13.6 5.1 70.2 3.3 FIRSTAR BK GRANTSBURG NA GRANTSBURG 121,991 7.9 76,371 8.5 5.8 57.9 14.9 13.0 1.3 16.2 4.7 75.2 0.9 M&I BK OF LA CROSSE LA CROSSE 115,475 8.5 83,691 10.7 1.3 78.9 9.1 0.1 0.8 8.2 4.5 79.3 0.7 M&I BK EAGLE RIVER EAGLE RIVER 112,767 6.9 89,327 9.1 0.0 83.0 6.2 1.7 1.2 15.5 4.9 87.9 0.6 DAIRY ST BK RICE LAKE 106,786 8.5 66,474 24.9 3.3 54.9 14.4 2.5 1.5 17.9 4.6 68.8 0.4 MIDAMERICA BK NORTH PHILLIPS 97,521 7.6 52,221 11.3 5.7 58.9 15.3 8.9 0.8 9.8 4.3 60.7 0.3 SECURITY NB OF DURAND DURAND 95,382 15.6 41,978 11.4 47.0 28.4 10.6 2.6 1.6 10.1 4.6 52.2 0.3 FIRST NB OF HUDSON HUDSON 94,764 8.4 63,473 11.8 4.7 63.3 15.9 4.3 1.3 15.0 5.6 77.0 0.1 FIRSTAR BK MINOQUA MINOCQUA 93,479 7.9 54,532 9.2 0.0 69.4 14.0 7.5 1.5 20.0 4.6 67.3 1.6 UNITED BK OSSEO 92,798 7.3 71,544 13.7 34.3 33.8 16.8 1.5 1.3 17.2 5.2 82.5 1.4 F&M BK-LAKELAND WOODRUFF 92,607 7.9 64,923 10.0 0.0 80.5 8.1 1.4 1.1 12.1 5.2 83.0 0.2 COMMUNITY FIRST ST BK SPOONER 90,418 7.8 50,190 20.3 0.8 61.7 11.9 5.3 0.9 9.1 3.8 66.2 0.2 M&I FIRST NB SUPERIOR SUPERIOR 90,261 8.9 59,663 15.3 0.0 62.0 20.5 2.2 1.2 13.9 4.7 74.8 0.1 NORTHERN ST BK ASHLAND 88,884 7.5 41,519 14.1 2.0 63.4 19.9 0.6 1.3 16.3 4.9 50.4 0.5 FIRST NB OF BANGOR BANGOR 87,921 10.4 59,602 17.3 17.1 49.8 7.2 8.6 1.9 18.8 4.8 76.3 0.8 PEOPLES NB OF HAYWARD HAYWARD 75,145 10.9 51,821 10.5 0.0 78.2 9.7 1.6 1.8 18.1 5.1 82.7 0.4 CHARTER BK EAU CLAIRE EAU CLAIRE 75,135 8.8 41,801 12.2 0.3 77.2 10.3 0.0 1.9 24.7 4.8 68.7 0.6 FIRST NB OF EAGLE RIVER EAGLE RIVER 73,151 8.2 50,696 20.6 0.0 68.9 8.8 1.8 0.8 9.5 4.4 80.2 2.1 FIRST B&TC MENOMONIE 71,861 11.2 43,589 11.8 17.7 49.5 19.7 1.3 0.4 3.9 4.8 68.6 1.6 COULEE ST BK LA CROSSE 71,025 10.0 44,769 17.1 0.3 78.0 4.5 0.1 1.3 12.4 5.1 71.8 0.4 M&I NB OF ASHLAND ASHLAND 70,415 9.0 56,340 19.1 3.3 62.2 14.2 1.2 1.5 16.8 5.4 92.7 1.0 FIRST NB OF BALDWIN BALDWIN 69,511 10.8 46,866 29.3 26.0 32.0 10.3 2.4 1.4 12.7 4.9 75.4 0.5 BANK OF ALMA ALMA 69,274 10.7 48,972 10.7 7.4 53.6 7.6 20.7 2.3 22.8 5.0 81.2 0.5 M&I CITIZENS AMERICAN BK MERRILL 68,359 9.0 45,418 11.3 6.2 66.0 16.0 0.6 1.2 14.6 4.7 79.5 1.4 NORTHWEST SVGS BK AMERY 66,921 12.9 58,164 6.8 2.4 84.9 6.0 0.0 1.0 12.3 4.2 111.4 0.8 BANK OF BARRON BARRON 66,435 9.1 35,869 21.4 30.9 39.0 6.1 2.5 1.6 18.4 4.5 59.8 1.4 PEOPLES ST BK OF BLOOMER BLOOMER 65,522 10.7 31,325 10.2 35.1 41.0 11.2 2.4 1.5 13.6 4.7 53.5 0.7 BANK OF NEW RICHMOND NEW RICHMOND 61,351 10.1 36,934 10.5 17.0 59.9 10.3 2.3 1.5 15.1 4.7 66.0 0.0 SHELL LAKE ST BK SHELL LAKE 60,868 13.2 31,171 12.7 8.3 61.9 12.0 5.1 1.1 8.9 4.6 60.1 0.2 STATE BK OF ARCADIA ARCADIA 54,987 9.8 39,327 10.9 44.1 36.7 6.8 1.4 1.3 12.8 4.8 78.5 0.8 CITIZENS ST BK CADOTT 54,737 9.9 38,431 6.0 24.6 60.3 5.2 3.8 1.0 10.6 4.4 77.2 0.4 FIRST NB OF PARK FALLS PARK FALLS 54,183 9.6 36,482 53.2 0.9 36.9 4.3 4.7 1.2 13.0 5.0 74.4 0.7 RIVER FALLS ST BK RIVER FALLS 53,584 12.7 29,819 20.2 7.5 53.7 12.6 6.0 1.0 8.2 4.4 63.9 0.1 FARMERS ST BK BANGOR 52,121 11.4 29,628 10.2 30.2 43.6 14.5 1.5 0.9 8.4 3.8 64.3 2.4 POLK COUNTY BK BALSAM LAKE 48,756 9.7 26,014 8.4 7.7 74.3 8.0 1.6 1.2 13.7 4.4 59.7 1.5 FIRST NB OF NEW RICHMOND NEW RICHMOND 47,876 9.0 29,442 20.7 2.3 62.2 14.5 0.4 1.1 13.1 5.4 67.3 2.4 TOMAHAWK CMNTY BK SSB TOMAHAWK 47,308 8.6 35,532 5.1 0.1 86.3 8.5 0.0 1.1 13.0 4.3 88.2 2.0 BANK OF MONDOVI MONDOVI 46,851 8.5 31,987 6.8 32.6 51.3 9.2 0.2 1.3 16.3 4.8 73.8 1.6 LONDON SQUARE BK EAU CLAIRE 46,593 8.3 33,574 26.5 0.1 68.1 5.3 0.0 1.1 12.9 5.1 84.0 0.7 FIRST NB OF ST CROIX FALLS SAINT CROIX FALLS 44,215 9.7 23,868 6.3 13.3 66.0 11.4 3.0 0.8 8.7 4.9 60.3 1.1 CHETEK ST BK CHETEK 44,048 8.5 25,957 5.6 25.2 60.1 4.8 4.4 1.4 17.7 4.5 63.6 0.4 BANK OF OSCEOLA OSCEOLA 43,245 9.8 28,587 16.0 6.7 59.9 14.5 2.8 1.8 18.2 5.8 72.8 0.2 SECURITY ST BK IRON RIVER 43,049 14.1 23,808 42.8 1.9 43.6 9.6 2.1 1.7 13.0 5.3 77.3 2.1 HERITAGE BK OF HAYWARD HAYWARD 42,862 7.4 25,499 9.4 7.0 72.3 6.1 5.1 0.9 12.4 3.9 65.9 3.6 BANK OF TURTLE LAKE TURTLE LAKE 42,047 8.3 24,671 14.3 21.3 47.6 14.9 1.9 1.0 12.7 4.6 63.4 2.9 PIONEER NB OF LADYSMITH LADYSMITH 42,009 9.4 20,581 23.7 21.3 40.3 13.4 1.4 1.6 16.9 4.8 54.0 0.9 SUPERIOR SVG BK SUPERIOR 41,760 9.9 29,664 1.0 0.0 94.2 4.8 0.0 0.6 5.8 4.0 80.0 0.2 FIDELITY NB MEDFORD 41,581 9.4 27,107 32.8 11.8 45.7 9.4 0.3 1.2 12.7 4.3 71.8 0.3 CHIPPEWA VALLEY BK WINTER 40,668 7.9 26,463 23.6 3.3 51.4 19.8 1.9 1.2 14.4 4.8 75.1 1.3 RURAL AMERICAN BK LUCK LUCK 40,318 7.5 25,502 9.0 7.0 70.4 9.7 3.9 1.5 20.4 4.9 68.2 0.5 BANK OF SPRING VALLEY SPRING VALLEY 39,783 15.5 14,741 13.4 25.5 38.8 20.5 1.9 1.4 9.5 4.7 42.8 4.2 FARMERS & MERCHANTS ST BK STANLEY 39,414 11.9 20,631 11.2 36.1 39.4 12.5 0.8 1.3 11.2 4.6 58.0 0.3 LINCOLN COUNTY BK MERRILL 39,227 7.6 24,599 16.8 3.3 63.6 14.4 1.9 1.0 12.6 5.2 67.3 1.7 JOHN O MELBY & CO BK WHITEHALL 36,360 11.1 17,706 11.5 30.7 33.6 19.7 4.5 1.0 8.9 4.1 55.5 3.2 PEOPLES ST BK AUGUSTA 35,867 10.3 20,925 15.3 44.9 29.8 8.4 1.6 1.3 12.1 4.0 65.2 0.6 LAONA ST BK LAONA 34,911 10.1 20,929 29.3 3.7 53.0 12.9 1.0 1.2 11.7 4.2 66.6 2.3 BRADLEY BK TOMAHAWK 33,262 8.9 23,612 9.9 0.0 82.2 6.0 2.0 0.9 9.8 5.2 79.7 0.6 MIDAMERICA BK HUDSON HUDSON 33,192 8.8 25,376 13.4 0.0 76.4 8.3 1.9 0.9 10.5 5.7 83.6 1.3 CITIZENS ST BK WOODVILLE 32,157 8.6 23,000 21.2 22.3 45.6 8.9 1.9 1.0 11.4 5.4 78.4 0.2 COMMUNITY B&TC SUPERIOR 32,027 9.9 21,989 22.7 0.0 65.2 12.1 0.0 0.9 8.9 4.7 75.2 1.2 BANK OF SOMERSET SOMERSET 30,270 11.7 17,422 13.3 5.5 48.2 29.3 3.6 1.2 10.7 4.9 68.9 0.3 FIRST NB OF BARRON BARRON 30,131 7.3 16,812 25.1 25.2 36.2 9.7 3.9 0.9 12.5 4.1 63.6 0.5 MONYCOR BK OF SUPERIOR SUPERIOR 29,977 8.8 19,100 26.8 0.1 68.1 3.6 1.4 1.3 14.1 5.0 70.2 0.7 LANDMARK BK CLEAR LAKE 29,556 7.9 20,102 30.0 7.6 50.5 11.6 0.4 1.8 22.8 5.7 73.6 0.6 BANK OF GALESVILLE GALESVILLE 26,975 7.2 20,299 12.1 28.2 44.1 15.1 0.5 1.0 13.3 5.1 81.1 0.4 HEADWATERS ST BK LAND O'LAKES 26,918 9.9 19,857 6.9 0.0 77.0 15.7 0.4 2.0 21.0 5.8 80.8 0.0 UNION ST BK OF WEST SALEM WEST SALEM 26,654 10.2 17,712 12.3 1.4 69.1 17.2 0.1 1.2 11.7 5.2 74.4 0.0 UNION BK OF BLAIR BLAIR 25,918 9.1 16,130 16.8 29.2 32.2 17.9 3.9 0.6 6.5 4.3 69.2 0.6 BANK OF BUFFALO COCHRANE 25,333 8.6 16,159 22.4 12.7 51.1 11.7 2.1 1.0 12.2 4.6 71.5 0.2 DAIRYLAND ST BK BRUCE 23,863 8.5 15,680 30.9 17.5 32.9 18.4 0.4 1.3 15.1 5.3 71.7 0.8 STATE BK OF INDEPENDENCE INDEPENDENCE 22,722 9.6 13,803 14.8 36.2 31.6 10.6 6.9 0.9 10.0 4.0 68.8 1.4 SUPERIOR NB SUPERIOR 22,526 13.9 8,768 12.6 1.2 70.5 15.2 0.5 0.9 6.6 4.0 46.1 1.4 STATE BK OF DRUMMOND DRUMMOND 21,726 8.6 13,307 9.9 0.3 61.6 24.2 4.0 1.2 13.8 5.4 68.8 0.2 STATE BK OF FLORENCE FLORENCE 20,869 8.8 13,409 18.4 1.1 65.7 12.5 2.3 1.1 14.0 5.0 71.9 0.3 WAUMANDEE ST BK WAUMANDEE 19,696 19.1 11,830 9.9 46.7 31.4 11.6 0.3 1.8 9.4 5.0 74.0 0.6 BANK OF HOLMEN HOLMEN 19,294 8.9 13,164 31.7 5.1 53.5 9.4 0.3 0.7 8.0 5.9 73.0 1.9 NATIONAL BK OF BOYCEVILLE BOYCEVILLE 19,143 10.0 11,740 25.2 23.1 32.8 18.9 0.0 1.0 11.1 5.6 66.9 2.0 HIAWATHA NB HAGER CITY 18,432 8.1 12,391 28.4 30.9 33.8 5.9 0.9 (0.3) (3.1) 4.8 72.2 7.7 PIGEON FALLS ST BK PIGEON FALLS 18,092 10.5 12,043 3.8 48.6 29.8 16.9 0.7 1.1 10.7 4.9 74.0 1.8 FARMERS ST BK RIDGELAND 17,855 7.8 11,168 8.3 39.6 40.7 11.4 0.0 1.1 13.3 4.2 67.0 0.7 FIRST ST BK FOUNTAIN CITY 17,690 11.2 8,849 17.1 27.4 41.9 13.1 0.5 0.5 4.9 3.8 56.6 0.7 FIRST NB OF GLENWOOD CITY GLENWOOD CITY 17,319 11.4 11,826 29.8 29.5 28.9 9.6 2.1 (0.1) (1.2) 4.8 74.7 7.3 SECURITY BK NEW AUBURN 16,797 14.7 9,963 17.7 30.1 40.5 9.3 2.4 1.7 12.1 5.3 73.4 2.0 STATE BK OF GILMAN GILMAN 15,771 9.6 9,960 12.5 43.1 31.6 10.0 2.8 1.4 13.4 5.1 71.9 0.4 STATE BK OF WABENO WABENO 15,339 7.2 5,323 13.3 0.4 67.4 13.0 5.8 1.1 14.0 5.2 37.1 0.1 FIRST ST BK OF PRAIRIE FARM PRAIRIE FARM 15,337 11.2 6,777 17.7 19.0 46.6 13.2 3.5 0.8 7.3 3.4 49.5 2.4 COMMUNITY BK OF CAMERON CAMERON 15,208 7.9 10,830 7.1 6.9 72.0 10.3 3.7 1.1 14.4 4.7 79.8 0.4 BRILL ST BK BRILL 14,278 8.6 7,666 18.3 11.1 59.1 11.0 0.5 0.9 10.8 4.4 57.5 0.9 COMMUNITY ST BK PRENTICE 13,655 8.0 7,819 12.6 8.0 57.1 18.4 3.9 0.2 2.3 3.9 62.8 0.0 CITIZENS ST BK OF CLAYTON CLAYTON 13,132 8.4 6,978 3.0 27.8 50.6 11.8 6.8 0.9 10.7 4.8 57.4 0.6 BANK SAINT CROIX ROBERTS 13,006 7.7 8,486 57.1 3.4 31.5 7.8 0.2 0.8 9.6 6.9 70.2 3.3 CITIZENS ST BK TREMPEALEAU 12,345 9.9 8,497 4.9 9.8 66.5 18.6 0.2 0.9 9.6 4.8 75.0 1.5