Bank of Winona

Bank of Winona is headquartered in Winona and is the 64^th largest bank in the state of Mississippi. It is also the 4,665^th largest bank in the nation. It was established in 1885 and as of December of 2011, it had grown to 19 employees at 1 location. Bank of Winona has a 4-star health rating.

Bank of Winona Routing Number: 084201524

Data for Q4 2011

Institution Statistics Bank of Winona FDIC Certificate # 12207 BankRate Report View Year Established 1885 Employees 19 Primary Regulator FDIC Assets and Liabilities Assets $110.84 million Loans $42.74 million Deposits $96.62 million Equity Capital $11.43 million Loan Loss Allowance $647,000 Unbacked Noncurrent Loans $2.26 million Real Estate Owned $1.08 million Historic Data - December 2010 Assets $102.20 million Equity Capital $8.99 million Loan Loss Allowance $588,000 Unbacked Noncurrent Loans $907,000 Real Estate Owned $1.24 million Profit Margin - Quarterly Net Interest Margin 3.8% Return on Assets 0.66% Return on Equity 6.76% Interest Income $4.47 million

Institution Health Overall Score: 4 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 Bank of Winona had $3.34 million in non-current loans and owned real-estate with $12.07 million in equity and loan loss allowances on hand to cover it. This gives Bank of Winona a Texas Ratio of 27.70% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Bank of Winona increased slightly from 22.37% as of December 31, 2010 to 27.70% as of December 31, 2011, resulting in a negative change of 23.82%. This indicates that the balance sheet and financial strength for Bank of Winona has declined slightly in recent periods. Deposit Growth In the past year, Bank of Winona has increased its total deposits by $6.03 million, resulting in 6.65% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Bank of Winona has shown is excellent. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Bank of Winona has $110.84 million in assets with $12.07 million in equity, resulting in a capitalization level of 10.89%, which is above average.

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