LincolnWay Community Bank

LincolnWay Community Bank is headquartered in New Lenox and is the 299^th largest bank in the state of Illinois. It is also the 4,331^st largest bank in the nation. It was established in 2005 and as of March of 2012, it had grown to 24 employees at 1 location. LincolnWay Community Bank has a 3-star health rating.

Data for Q1 2012

Institution Statistics LincolnWay Community Bank FDIC Certificate # 57971 BankRate Report View Year Established 2005 Employees 24 Primary Regulator FDIC Assets and Liabilities Assets $126.56 million Loans $82.74 million Deposits $114.67 million Equity Capital $11.33 million Loan Loss Allowance $1.97 million Unbacked Noncurrent Loans $3.72 million Real Estate Owned $3.88 million Historic Data - March 2011 Assets $130.41 million Equity Capital $12.11 million Loan Loss Allowance $2.70 million Unbacked Noncurrent Loans $9.08 million Real Estate Owned $2.56 million Profit Margin - Quarterly Net Interest Margin 4.03% Return on Assets 0.27% Return on Equity 3.05% Interest Income $1.42 million

Institution Health Overall Score: 3 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 March 31, 2012 LincolnWay Community Bank had $7.6 million in non-current loans and owned real-estate with $13.3 million in equity and loan loss allowances on hand to cover it. This gives LincolnWay Community Bank a Texas Ratio of 57.10% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for LincolnWay Community Bank decreased slightly from 78.65% as of March 31, 2011 to 57.10% as of March 31, 2012, resulting in a positive change of 27.40%.This indicates that the balance sheet and financial strength for LincolnWay Community Bank has improved slightly in recent periods. Deposit Growth In the past year, LincolnWay Community Bank has decreased its total deposits by -$3.2 million, resulting in -2.72% 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 LincolnWay Community Bank has shown is below average. 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. LincolnWay Community Bank has $126.56 million in assets with $13.3 million in equity, resulting in a capitalization level of 10.51%, which is above average.

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