Murphy-Wall State Bank & Trust

Murphy-Wall State Bank & Trust Locations

105 East Water Street
Pinckneyville, IL 62274
618-357-5373
www.murphywall.com

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Murphy-Wall State Bank & Trust is headquartered in Pinckneyville and is the 332^nd largest bank in the state of Illinois. It is also the 4,856^th largest bank in the nation. It was established in 1874 and as of December of 2012, it had grown to 35 employees at 2 locations. Murphy-Wall State Bank & Trust has a 4-star health rating.

Murphy-Wall Kasasa Account (2.25%, $10K) To (1.25%, $10K) (Forum) - 11/10/2012

There have been a lot of changes in this Kasasa account within the last year. In September 2011 the cap was reduced from $25k to $10k. In February, the rate was decreased to 2.25, and nine months later it is reduced again to 1.25.

Murphy-Wall State Bank & Trust Reduced Their RCA (KASASA Cash) Limit ... (Forum) - 9/13/2011

from (3.5%, $25K) to (3.5%, $10K).

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See Rates for: Checking | Savings | Money Market | CD | IRA

Murphy-Wall State Bank & Trust Checking Account Rates

Apy	Min	Max	Product
1.00%	-	$10k	Kasasa Cash
0.35%	$1k	-	Senior Gold Checking Account
0.05%	$500	-	Now Account

Murphy-Wall State Bank & Trust Savings Account Rates

Apy	Min	Max	Product
0.50%	-	$50k	Kasasa Saver
0.25%	$50	-	Passbook Savings
0.25%	$50	-	Personal IRA Savings
0.25%	$250	-	Roth IRA Savings
0.15%	$50	-	Statement Savings
0.15%	-	-	Christmas Club

Murphy-Wall State Bank & Trust Money Market Rates

	Apy	Min	Max	Product
	0.20%	$25k	-	Money Market Deposit Account

Murphy-Wall State Bank & Trust CD Rates

Apy	Min	Max	Product
1.00%	$1k	-	60 Month CD
0.85%	$1k	-	48 Month CD
0.60%	$1k	-	36 Month CD
0.45%	$1k	-	30 Month CD
0.40%	$1k	-	24 Month CD
0.25%	$1k	-	18 Month CD
0.20%	$1k	-	12 Month CD
0.15%	$1k	-	6 Month CD
0.10%	$1k	-	3 Month CD

Murphy-Wall State Bank & Trust IRA Rates

Apy	Min	Max	Product
1.00%	$1k	-	60 Month IRA
1.00%	$1k	-	60 Month Roth IRA
0.85%	$1k	-	48 Month IRA
0.85%	$1k	-	48 Month Roth IRA
0.60%	$1k	-	36 Month IRA
0.60%	$1k	-	36 Month Roth IRA
0.45%	$1k	-	30 Month IRA
0.45%	$1k	-	30 Month Roth IRA
0.40%	$1k	-	24 Month IRA
0.40%	$1k	-	24 Month Roth IRA
0.25%	$1k	-	18 Month IRA
0.25%	$1k	-	18 Month Roth IRA
0.20%	$1k	-	12 Month IRA
0.20%	$1k	-	12 Month Roth IRA
0.15%	$1k	-	6 Month IRA
0.15%	$1k	-	6 Month Roth IRA
0.10%	$1k	-	3 Month IRA
0.10%	$1k	-	3 Month Roth IRA

Rates updated: 5/22/2013

Data for Q4 2012

Institution Statistics

Murphy-Wall State Bank and Trust Company
FDIC Certificate #	10860
BankRate Report	View
Year Established	1874
Employees	35
Primary Regulator	FDIC
Assets and Liabilities
Assets	$101.01 million
Loans	$48.74 million
Deposits	$86.56 million
Equity Capital	$12.59 million
Loan Loss Allowance	$986,000
Unbacked Noncurrent Loans	$1.45 million
Real Estate Owned	$848,000
Historic Data - December 2011
Assets	$99.84 million
Equity Capital	$12.02 million
Loan Loss Allowance	$964,000
Unbacked Noncurrent Loans	$1.24 million
Real Estate Owned	$180,000
Profit Margin - Quarterly
Net Interest Margin	3.78%
Return on Assets	0.97%
Return on Equity	8.13%
Interest Income	$4.22 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, 2012 Murphy-Wall State Bank & Trust had $2.3 million in non-current loans and owned real-estate with $13.58 million in equity and loan loss allowances on hand to cover it. This gives Murphy-Wall State Bank & Trust a Texas Ratio of 16.94% 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 Murphy-Wall State Bank & Trust increased slightly from 11.59% as of December 31, 2011 to 16.94% as of December 31, 2012, resulting in a negative change of 46.16%. This indicates that the balance sheet and financial strength for Murphy-Wall State Bank & Trust has declined slightly in recent periods.
Deposit Growth
In the past year, Murphy-Wall State Bank & Trust has increased its total deposits by $976,000, resulting in 1.14% 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 Murphy-Wall State Bank & Trust has shown is above 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. Murphy-Wall State Bank & Trust has $101.01 million in assets with $13.58 million in equity, resulting in a capitalization level of 13.44%, which is excellent.