MWABank

MWABank is headquartered in Rock Island and is the 174^th largest bank in the state of Illinois. It is also the 2,609^th largest bank in the nation. It was established in 2003 and as of March of 2012, it had grown to 32 employees at 1 location. MWABank's savings rates are 35% higher than the national average, and it has a 4-star health rating.

MWABank Checking Account Rates

MWABank Savings Account Rates

Data for Q1 2012

Institution Statistics MWABank OTS # 17935 FDIC Certificate # 57366 BankRate Report View Year Established 2003 Employees 32 Primary Regulator OCC Assets and Liabilities Assets $246.42 million Loans $159.65 million Deposits $197.22 million Equity Capital $24.35 million Loan Loss Allowance $3.08 million Unbacked Noncurrent Loans $2.32 million Real Estate Owned $68,000 Historic Data - March 2011 Assets $247.40 million Equity Capital $22.76 million Loan Loss Allowance $1.53 million Unbacked Noncurrent Loans $3.09 million Real Estate Owned $1.58 million Profit Margin - Quarterly Net Interest Margin 3.63% Return on Assets 0.33% Return on Equity 3.32% Interest Income $2.68 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 March 31, 2012 MWABank had $2.39 million in non-current loans and owned real-estate with $27.42 million in equity and loan loss allowances on hand to cover it. This gives MWABank a Texas Ratio of 8.72% 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 MWABank decreased significantly from 19.20% as of March 31, 2011 to 8.72% as of March 31, 2012, resulting in a positive change of 54.58%.This indicates that the balance sheet and financial strength for MWABank has improved significantly in recent periods. Deposit Growth In the past year, MWABank has increased its total deposits by $6.12 million, resulting in 3.2% 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 MWABank 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. MWABank has $246.42 million in assets with $27.42 million in equity, resulting in a capitalization level of 11.13%, which is above average.

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