“I didn’t know you did that; my company just changed 401(k) providers last month. If only I had known Park Bank offered qualified plans.” “Park Bank can do a $15 million line of credit? I didn’t know you could do large deals.” I heard these comments over the last few weeks, and frankly, while it’s not feedback I particularly like hearing, it gives me the opportunity to enlighten others about Park Bank.

For nearly 100 years, Park Bank has served businesses and individuals in southeastern Wisconsin. We have quietly grown over the years - not from merger, acquisition or branch expansion - but from organic growth by building lasting relationships with customers and forging new relationships in the region. People are surprised when they learn we have grown to a mid-market commercial bank with the capacity and expertise to finance and support large, complex businesses. We offer a complete and robust line-up of services and expertise to help you with your evolving financial needs wherever you do business. We are preparing for the future, too. As more local businesses seek growth through export/import opportunities, we are expanding our array of best-in-class international services to facilitate global trade for you.

Park Bank is in a positive position for continued growth because of our financial strength and our commitment to maintaining lasting relationships with our customer base and with the community. We have the financial capacity to expand our lending to businesses in southeastern Wisconsin due to strong earnings, capital levels and liquidity. Year-to-date earnings as of September 30, 2011 are $5.0 million. Total assets as of September 30, 2011 are $781.0 million. We remain well-capitalized with a tier 1 leverage ratio of 10.51% as of September 30, 2011. In addition to growing our international expertise, we continue to adopt new technology to help our customers manage electronic and mobile payments. We are proactively looking to build new relationships with successful mid-market business leaders like you. With our capabilities and consistency of leadership and mission, we believe business owners appreciate the assurance and stability of a Park Bank relationship in an environment of continued uncertainty. Your personal introductions to like-minded business owners would be sincerely appreciated. Likewise, if we can help you with introductions to business leaders, please let us know.

On behalf of everyone at Park Bank, we wish you a healthy, happy holiday season.

Best regards,

David P. Werner
President