Murphy-Wall State Bank & Trust

Murphy-Wall State Bank & Trust is headquartered in Pinckneyville and is the 336^th largest bank in the state of Illinois. It is also the 4,941^st largest bank in the nation. It was established in 1874 and as of September of 2011, it had grown to 33 employees at 2 locations. Murphy-Wall State Bank & Trust's savings rates are 92% higher than the national average, and it has a 4-star health rating.

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Data for Q3 2011

Institution Statistics Murphy-Wall State Bank and Trust Company FDIC Certificate # 10860 BankRate Report View Year Established 1874 Employees 33 Primary Regulator FDIC Assets and Liabilities Assets $100.18 million Loans $53.31 million Deposits $86.07 million Equity Capital $11.84 million Loan Loss Allowance $963,000 Unbacked Noncurrent Loans $1.17 million Real Estate Owned $180,000 Historic Data - September 2010 Assets $87.63 million Equity Capital $10.77 million Loan Loss Allowance $827,000 Unbacked Noncurrent Loans $1.02 million Real Estate Owned $123,000 Profit Margin - Quarterly Net Interest Margin 3.94% Return on Assets 1% Return on Equity 8.74% Interest Income $3.27 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 September 30, 2011 Murphy-Wall State Bank & Trust had $1.35 million in non-current loans and owned real-estate with $12.81 million in equity and loan loss allowances on hand to cover it. This gives Murphy-Wall State Bank & Trust a Texas Ratio of 10.53% 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 Murphy-Wall State Bank & Trust increased slightly from 4.58% as of September 30, 2010 to 10.53% as of September 30, 2011, resulting in a negative change of 130.05%. 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 $10.19 million, resulting in 13.43% 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 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. Murphy-Wall State Bank & Trust has $100.18 million in assets with $12.81 million in equity, resulting in a capitalization level of 12.78%, which is excellent.

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