NINTH FEDERAL RESERVE DISTRICT, BANK DIRECTORY, BY STATE DATA FOR DECEMBER 31, 1995 NORTHWESTERN WISCONSIN LOAN PORTFOLIO PERFORMANCE RATIOS (PERCENT) NAME CITY COUNTY TOTAL CAPITAL LOAN CATEGORIES AS A PERCENT OF TOTAL LOANS NET NON-C CODE ASSETS AS A % OF TOTAL LOANS COMMERCIAL REAL LOANS TO OTHER RETURN ON RETURN ONINTERESTLOANS TO LOANS T (IN THOUS.)ASSETS (IN THOUS.)& INDUSTRIAL AGRICULTURAL ESTATE INDIVIDUAL LOANS AVE ASSETS EQUITY MARGIN DEPOSITS TOTAL LO M&I CMNTY ST BK EAU CLAIRE 35 422,233 8.5 270,228 15.1 14.9 52.5 16.5 0.9 1.1 11.4 4.3 78.0 0.6 FIRST AMERICAN BK WI MENOMONIE 33 308,769 7.5 171,213 12.2 20.0 48.9 10.6 8.4 1.2 14.9 4.4 67.5 1.1 FIRSTAR BK EAU CLAIRE NA EAU CLAIRE 35 296,030 7.5 192,000 21.3 0.7 48.3 21.8 7.9 1.8 23.0 4.8 82.2 0.7 NORWEST BK LACROSSE NA LA CROSSE 63 293,649 5.5 172,565 33.7 1.8 29.6 33.4 1.5 1.3 22.1 4.1 83.5 0.2 MID-WISCONSIN BK MEDFORD 119 244,195 8.4 172,678 11.6 16.2 61.5 6.8 3.9 1.3 14.5 4.7 88.8 0.7 M&I MERCHANTS BK RHINELANDER 85 210,460 9.7 163,981 16.0 4.2 70.1 9.7 0.1 1.7 16.8 4.7 93.9 0.4 STATE BK OF LA CROSSE LA CROSSE 63 191,146 8.0 100,742 32.5 0.5 50.6 12.2 4.1 1.3 14.6 4.4 67.8 0.2 NATIONAL BK OF CMRC SUPERIOR SUPERIOR 31 167,067 12.1 108,496 23.5 0.3 63.7 8.7 3.8 1.6 13.6 5.3 80.6 0.5 FIRSTAR BK NA RICE LAKE 5 162,253 8.0 103,347 15.9 13.2 49.9 13.0 8.0 1.3 16.0 4.2 70.3 1.3 NORTHWESTERN BK CHIPPEWA FALLS 17 149,765 12.8 78,634 14.5 18.6 56.6 7.1 3.1 1.4 10.8 5.3 61.8 1.0 FIRST NB OF RIVER FALLS RIVER FALLS 93 140,913 10.6 88,582 11.7 9.0 61.4 8.9 9.1 1.5 13.9 4.9 74.0 1.2 DAIRY ST BK RICE LAKE 5 132,517 9.4 77,136 24.7 4.7 54.6 13.6 2.4 1.4 16.1 4.6 64.9 0.4 FIRSTAR BK GRANTSBURG NA GRANTSBURG 13 131,830 7.7 89,300 8.4 5.3 61.0 14.1 11.2 1.2 15.4 4.7 85.5 0.5 M&I BK EAGLE RIVER EAGLE RIVER 125 123,246 6.8 98,343 9.7 0.2 82.8 6.3 1.0 1.3 18.0 4.7 87.3 0.4 M&I BK OF LA CROSSE LA CROSSE 63 119,993 9.2 84,726 20.4 0.6 71.1 7.9 0.0 1.0 8.7 4.4 81.4 0.3 FIRST NB OF HUDSON HUDSON 109 104,376 8.3 70,749 10.2 4.3 65.0 16.0 4.5 1.3 15.3 5.5 74.6 0.1 F&M BK-LAKELAND WOODRUFF 85 101,610 8.1 69,902 10.8 0.0 79.5 8.3 1.4 1.4 16.3 5.4 79.0 0.5 MIDAMERICA BK NORTH PHILLIPS 99 100,934 7.8 63,346 13.8 6.4 63.0 10.6 6.2 1.0 13.8 4.5 72.5 0.2 SECURITY NB OF DURAND DURAND 91 98,978 17.0 43,390 11.7 46.1 28.5 10.7 3.0 1.6 9.3 4.6 53.9 0.2 UNITED BK OSSEO 121 98,216 6.9 74,351 12.8 34.0 35.7 15.7 1.8 1.2 16.1 4.6 82.7 0.8 M&I BK SUPERIOR 31 97,091 8.4 68,701 15.4 0.0 54.4 27.8 2.4 1.3 16.0 4.7 79.8 0.1 FIRST NB OF BANGOR BANGOR 63 95,648 10.5 64,758 16.7 15.8 50.6 7.9 9.0 1.6 15.3 4.5 77.0 0.3 FIRSTAR BK MINOCQUA MINOCQUA 85 95,283 8.4 57,197 8.4 0.0 71.5 13.0 7.1 1.7 20.6 4.4 69.7 0.7 NORTHERN ST BK ASHLAND 3 93,990 7.4 51,678 13.3 1.2 63.1 21.3 1.1 1.5 19.4 5.0 60.1 0.4 COMMUNITY FIRST ST BK SPOONER 129 88,831 7.5 54,619 16.5 0.9 60.2 16.0 6.4 1.1 10.9 4.8 75.8 0.2 PEOPLES NB OF HAYWARD HAYWARD 113 87,038 9.9 62,885 10.6 0.0 76.8 10.9 1.7 1.9 19.6 5.3 86.5 0.1 NORTHWEST SVGS BK AMERY 95 83,030 11.6 69,239 6.2 1.7 82.5 9.5 0.1 1.2 9.8 4.1 117.7 0.5 CHARTER BK EAU CLAIRE EAU CLAIRE 35 81,232 9.7 45,554 13.4 0.2 81.0 5.0 0.3 1.8 20.0 4.4 67.1 0.8 FIRST NB OF EAGLE RIVER EAGLE RIVER 125 78,458 7.9 54,383 20.2 0.0 72.2 6.2 1.5 0.8 9.8 4.0 77.8 1.7 M&I BK OF ASHLAND ASHLAND 3 77,812 8.6 59,128 19.4 3.1 61.1 15.2 1.2 1.6 18.8 5.3 85.8 2.3 COULEE ST BK LA CROSSE 63 76,884 10.5 44,158 15.6 0.3 79.7 4.5 0.0 1.3 13.0 4.5 64.4 0.3 BANK OF ALMA ALMA 11 75,513 12.4 54,370 8.6 7.7 54.2 6.5 23.0 2.4 20.8 4.9 84.0 0.1 FIRST B&TC MENOMONIE 33 73,086 11.1 41,534 15.7 13.5 53.7 15.7 1.3 0.5 4.3 4.8 66.5 0.6 FIRST NB OF BALDWIN BALDWIN 109 71,261 11.0 48,950 33.5 22.0 31.9 10.2 2.4 1.4 12.4 4.7 78.2 1.0 M&I CITIZENS AMERICAN BK MERRILL 69 71,107 8.6 50,614 17.9 3.8 57.4 20.5 0.4 0.9 11.2 4.5 83.3 0.4 BANK OF NEW RICHMOND NEW RICHMOND 109 68,723 9.5 43,555 9.8 14.5 67.4 7.1 1.2 1.2 12.7 4.4 70.3 0.1 PEOPLES ST BK OF BLOOMER BLOOMER 17 68,168 11.2 34,246 11.7 33.2 41.9 11.1 2.0 1.4 12.0 4.4 57.6 0.2 BANK OF BARRON BARRON 5 67,625 9.1 38,534 19.9 32.0 39.9 6.6 1.5 1.5 16.6 4.2 63.3 0.4 SHELL LAKE ST BK SHELL LAKE 129 67,295 13.4 36,625 16.2 8.4 59.0 11.3 5.1 1.3 10.1 4.7 66.0 0.5 CITIZENS ST BK CADOTT 17 62,387 9.6 40,384 10.8 26.9 55.0 4.0 3.3 1.0 10.4 4.3 73.3 0.4 STATE BK OF ARCADIA ARCADIA 121 58,550 9.7 44,791 11.8 43.3 37.4 6.4 1.2 1.3 13.0 4.7 85.2 0.9 FARMERS ST BK BANGOR 63 57,277 7.4 30,576 10.5 28.9 43.8 15.4 1.4 0.8 6.8 3.2 60.6 1.5 POLK COUNTY BK BALSAM LAKE 95 55,243 8.8 29,056 7.4 6.5 78.6 7.0 0.5 1.1 11.7 4.3 63.0 0.5 RIVER FALLS ST BK RIVER FALLS 93 55,006 13.3 32,506 21.9 6.5 55.6 12.1 3.9 1.2 8.7 4.5 69.3 0.0 FIRST NB OF PARK FALLS PARK FALLS 99 54,967 9.7 37,209 51.9 1.1 38.8 4.2 4.0 1.4 14.8 5.2 76.0 0.7 BANK OF MONDOVI MONDOVI 11 54,268 8.2 33,269 7.4 31.4 50.6 8.9 1.7 1.3 15.8 4.3 68.0 0.3 LONDON SQUARE BK EAU CLAIRE 35 53,988 7.9 35,998 34.8 0.2 60.4 4.4 0.1 1.4 17.3 5.2 76.6 1.9 FIRST NB OF NEW RICHMOND NEW RICHMOND 109 50,766 8.6 34,607 18.7 2.4 65.2 13.4 0.3 1.1 12.2 5.5 75.1 2.5 RIVERBANK OSCEOLA 95 48,578 10.1 34,051 16.1 5.1 62.6 13.3 2.8 1.6 16.3 5.6 83.0 0.4 TOMAHAWK CMNTY BK SSB TOMAHAWK 69 47,715 9.5 36,485 5.5 0.1 85.2 9.2 0.0 1.0 11.7 3.8 88.7 0.0 FIDELITY NB MEDFORD 119 47,179 9.0 32,279 40.1 8.3 43.5 7.9 0.2 1.3 14.7 4.1 76.3 0.1 CHIPPEWA VALLEY BK WINTER 113 46,804 7.8 32,183 29.9 2.7 48.2 17.6 1.6 1.1 13.8 4.4 74.8 0.9 FIRST NB OF ST CROIX FALLS SAINT CROIX FALLS 95 45,696 9.9 25,324 8.8 13.3 64.9 10.4 2.6 0.7 7.4 4.9 61.8 1.4 SECURITY ST BK IRON RIVER 7 45,623 7.2 25,207 44.6 2.0 42.1 10.0 1.4 1.8 12.8 5.0 76.2 3.1 CHETEK ST BK CHETEK 5 45,381 8.8 29,551 3.8 23.7 63.7 4.6 4.1 1.4 17.0 4.3 71.8 0.9 FARMERS & MERCHANTS ST BK STANLEY 17 45,273 9.5 26,782 12.1 26.8 51.4 8.9 0.8 1.2 9.7 4.5 69.3 0.4 BANK OF TURTLE LAKE TURTLE LAKE 5 44,239 8.7 26,628 10.4 19.3 51.3 14.9 4.0 1.0 11.3 4.4 66.5 1.7 HERITAGE BK OF HAYWARD HAYWARD 113 44,213 8.0 28,214 16.1 3.2 69.2 5.9 5.6 0.9 11.5 3.9 74.4 2.4 PIONEER NB OF LADYSMITH LADYSMITH 107 43,477 9.4 21,485 25.9 24.7 38.9 8.9 1.7 2.1 22.1 5.4 55.6 0.2 BANK OF SPRING VALLEY SPRING VALLEY 93 42,349 15.5 16,945 13.0 24.4 40.5 17.2 4.8 1.3 8.3 4.5 47.3 2.6 RURAL AMERICAN BK LUCK LUCK 95 42,289 7.1 26,759 8.6 5.0 72.2 10.4 3.8 1.4 19.3 4.8 68.6 0.8 LAONA ST BK LAONA 41 41,209 9.2 25,827 32.4 2.2 51.7 13.0 0.7 1.1 11.7 4.1 69.0 2.0 SUPERIOR SVG BK SUPERIOR 31 41,071 11.0 31,564 0.8 0.0 91.5 7.7 0.0 0.7 6.3 3.7 88.1 0.6 LINCOLN COUNTY BK MERRILL 69 40,705 7.6 30,631 14.3 4.4 67.0 13.7 0.5 1.1 14.5 5.8 81.6 0.3 CITIZENS ST BK WOODVILLE 109 39,572 9.4 27,966 27.0 19.8 39.2 10.0 4.1 1.3 16.3 5.5 77.0 0.0 MIDAMERICA BK HUDSON HUDSON 109 39,423 8.4 27,977 12.5 0.1 77.2 7.5 2.8 1.3 16.7 6.1 77.6 0.1 PEOPLES ST BK AUGUSTA 35 38,733 8.8 23,711 16.5 43.9 29.3 7.9 2.3 1.5 14.4 3.7 69.0 0.4 JOHN O MELBY & CO BK WHITEHALL 121 36,632 11.3 19,668 11.5 31.2 34.4 18.1 4.8 1.0 8.6 4.1 60.9 1.9 BRADLEY BK TOMAHAWK 69 36,071 9.0 25,822 9.2 0.0 78.2 8.5 4.1 1.4 16.7 5.5 79.3 0.5 COMMUNITY B&TC SUPERIOR 31 34,645 9.5 23,447 20.9 0.0 66.7 12.2 0.2 1.1 11.8 4.4 75.4 0.7 LANDMARK BK CLEAR LAKE 95 33,208 7.0 22,326 28.0 6.9 53.4 11.5 0.2 0.8 10.7 5.3 72.9 0.4 FIRST NB OF BARRON BARRON 5 33,051 7.1 19,035 26.9 20.1 41.0 9.0 3.0 0.8 10.7 3.8 65.7 0.2 BANK OF SOMERSET SOMERSET 109 32,613 10.9 21,554 15.0 4.3 57.6 20.5 2.6 0.8 7.3 4.1 74.8 0.4 UNION ST BK OF WEST SALEM WEST SALEM 63 29,291 10.4 19,517 12.2 1.0 66.1 20.6 0.1 0.9 9.0 4.7 74.9 0.2 HEADWATERS ST BK LAND O'LAKES 125 29,121 10.2 21,718 7.0 0.0 78.3 14.3 0.4 1.8 17.5 5.2 83.3 0.1 MONYCOR BK OF SUPERIOR SUPERIOR 31 28,590 9.2 18,987 21.8 0.1 72.1 5.0 1.0 1.3 14.8 5.0 73.9 0.3 BANK OF GALESVILLE GALESVILLE 121 28,494 7.5 21,955 15.7 25.3 43.0 15.4 0.5 0.9 13.0 4.5 85.4 0.7 UNION BK OF BLAIR BLAIR 121 27,059 9.2 16,848 17.7 26.7 35.9 17.6 2.2 0.7 7.6 4.3 70.0 1.1 BANK OF BUFFALO COCHRANE 11 26,214 9.0 16,358 17.7 6.5 62.4 11.6 1.8 0.9 10.6 4.4 70.9 0.5 DAIRYLAND ST BK BRUCE 107 25,107 8.3 15,349 30.1 18.7 33.5 17.5 0.2 1.5 17.8 5.4 67.6 3.4 PARK BANK HOLMEN 63 24,756 8.4 14,515 44.3 8.4 38.6 8.5 0.1 1.2 13.3 6.6 64.3 3.1 STATE BK OF INDEPENDENCE INDEPENDENCE 121 24,744 9.7 13,559 14.7 35.0 32.5 11.6 6.2 0.7 7.6 3.5 61.3 1.4 SUPERIOR NB SUPERIOR 31 23,535 14.2 9,201 13.7 1.2 73.4 11.4 0.2 0.9 6.1 4.7 47.7 2.2 STATE BK OF FLORENCE FLORENCE 37 23,471 8.6 15,129 13.6 0.9 72.3 11.4 1.7 0.9 11.1 4.6 73.4 0.3 STATE BK OF DRUMMOND DRUMMOND 7 21,719 11.0 14,284 16.2 0.2 59.3 18.9 5.4 1.4 13.5 5.9 79.9 0.7 WAUMANDEE ST BK WAUMANDEE 11 21,189 19.4 12,499 8.4 45.1 34.5 11.6 0.4 1.6 8.2 4.7 74.2 0.3 NATIONAL BK OF BOYCEVILLE BOYCEVILLE 33 20,043 9.9 11,393 27.0 23.8 34.9 14.3 0.0 0.4 4.1 4.8 63.9 3.8 PIGEON FALLS ST BK PIGEON FALLS 121 19,116 11.0 12,803 4.2 48.9 29.1 17.1 0.7 1.1 10.0 4.6 76.5 1.8 FIRST ST BK FOUNTAIN CITY 11 18,260 8.2 8,868 15.0 27.4 43.3 13.9 0.5 0.7 6.0 3.8 55.2 0.4 FIRST NB OF GLENWOOD CITY GLENWOOD CITY 109 18,039 11.9 12,429 26.9 27.2 32.9 11.2 1.8 1.2 10.6 5.8 78.7 3.8 FARMERS ST BK RIDGELAND 33 17,821 8.4 11,558 10.9 37.5 40.3 11.3 0.0 1.0 12.4 4.1 71.5 1.1 HIAWATHA NB HAGER CITY 93 17,640 9.4 11,779 31.8 25.5 37.2 5.1 0.4 1.0 11.1 5.9 74.4 2.6 SECURITY BK NEW AUBURN 17 17,481 16.1 10,427 19.2 28.8 39.8 10.3 1.9 1.9 12.3 5.3 77.7 1.3 STATE BK OF GILMAN GILMAN 119 17,442 10.1 10,906 12.6 44.8 30.5 10.1 2.0 1.3 13.3 5.1 70.4 2.4 COMMUNITY BK OF CAMERON CAMERON 5 16,305 8.2 10,932 6.2 5.7 76.7 10.3 1.1 1.1 13.5 4.3 73.5 0.2 BRILL ST BK BRILL 5 16,273 7.7 10,040 16.7 16.8 58.5 7.9 0.0 0.8 11.0 3.8 67.4 0.6 STATE BK OF WABENO WABENO 41 15,617 7.4 4,865 15.9 0.3 69.8 12.9 1.0 1.0 13.6 4.8 34.1 1.2 COMMUNITY ST BK PRENTICE 99 15,349 9.2 9,517 16.4 5.0 54.2 21.9 2.6 0.9 10.4 4.2 68.5 0.6 CITIZENS ST BK OF CLAYTON CLAYTON 95 13,673 8.7 7,122 3.1 26.3 51.7 10.8 8.0 0.7 8.6 4.3 57.2 0.2 CITIZENS ST BK TREMPEALEAU 121 13,275 7.7 9,157 3.3 9.4 66.5 20.7 0.1 0.9 9.6 4.6 76.6 0.9 BANK SAINT CROIX ROBERTS 109 12,882 8.3 9,088 28.1 3.1 59.3 9.4 0.1 0.7 8.9 6.4 77.2 5.5 Totals/Averages 7,236,962 9.5 4,615,057 17.0 12.8 55.7 11.8 2.6 1.2 13.0 4.7 72.9 0.9