Bank of Wolcott

Bank of Wolcott is headquartered in Wolcott and is the 99^th largest bank in the state of Indiana. It is also the 4,480^th largest bank in the nation. It was established in 1944 and as of December of 2011, it had grown to 28 employees at 3 locations. Bank of Wolcott has a 5-star health rating.

Bank of Wolcott Routing Number: 074913194

Data for Q4 2011

Institution Statistics Bank of Wolcott FDIC Certificate # 16201 BankRate Report View Year Established 1944 Employees 28 Primary Regulator FDIC Assets and Liabilities Assets $118.36 million Loans $78.96 million Deposits $99.38 million Equity Capital $11.03 million Loan Loss Allowance $1.21 million Unbacked Noncurrent Loans $930,000 Real Estate Owned $70,000 Historic Data - December 2010 Assets $105.44 million Equity Capital $9.95 million Loan Loss Allowance $946,000 Unbacked Noncurrent Loans $1.59 million Real Estate Owned $60,000 Profit Margin - Quarterly Net Interest Margin 4.48% Return on Assets 1.48% Return on Equity 15.26% Interest Income $5.38 million

Institution Health Overall Score: 5 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 Wolcott had $1,000,000 in non-current loans and owned real-estate with $12.24 million in equity and loan loss allowances on hand to cover it. This gives Bank of Wolcott a Texas Ratio of 8.17% which is above 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 Wolcott decreased significantly from 15.11% as of December 31, 2010 to 8.17% as of December 31, 2011, resulting in a positive change of 45.91%.This indicates that the balance sheet and financial strength for Bank of Wolcott has improved significantly in recent periods. Deposit Growth In the past year, Bank of Wolcott has increased its total deposits by $10.95 million, resulting in 12.39% 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 Wolcott 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 Wolcott has $118.36 million in assets with $12.24 million in equity, resulting in a capitalization level of 10.34%, which is above average.

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