The Wilmington Savings Bank

The Wilmington Savings Bank is headquartered in Wilmington and is the 97^th largest bank in the state of Ohio. It is also the 3,329^th largest bank in the nation. It was established in 1890 and as of March of 2012, it had grown to 18 employees at 1 location. The Wilmington Savings Bank has a 2-star health rating.

The Wilmington Savings Bank Routing Number: 242274403

The Wilmington Savings Bank Checking Account Rates

The Wilmington Savings Bank Savings Account Rates

The Wilmington Savings Bank Money Market Rates

The Wilmington Savings Bank CD Rates

Data for Q1 2012

Institution Statistics The Wilmington Savings Bank FDIC Certificate # 31539 BankRate Report View Year Established 1890 Employees 18 Primary Regulator FDIC Assets and Liabilities Assets $183.84 million Loans $151.32 million Deposits $125.40 million Equity Capital $27.03 million Loan Loss Allowance $10.36 million Unbacked Noncurrent Loans $26.14 million Real Estate Owned $2.66 million Historic Data - March 2011 Assets $207.77 million Equity Capital $31.29 million Loan Loss Allowance $8.54 million Unbacked Noncurrent Loans $23.70 million Real Estate Owned $1.94 million Profit Margin - Quarterly Net Interest Margin 3.88% Return on Assets -0.12% Return on Equity -0.83% Interest Income $2.27 million

Institution Health Overall Score: 2 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 The Wilmington Savings Bank had $28.8 million in non-current loans and owned real-estate with $37.39 million in equity and loan loss allowances on hand to cover it. This gives The Wilmington Savings Bank a Texas Ratio of 77.02% 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 The Wilmington Savings Bank increased slightly from 64.38% as of March 31, 2011 to 77.02% as of March 31, 2012, resulting in a negative change of 19.64%. This indicates that the balance sheet and financial strength for The Wilmington Savings Bank has declined slightly in recent periods. Deposit Growth In the past year, The Wilmington Savings Bank has decreased its total deposits by -$20.37 million, resulting in -13.98% 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 The Wilmington Savings Bank has shown is poor. 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. The Wilmington Savings Bank has $183.84 million in assets with $37.39 million in equity, resulting in a capitalization level of 20.34%, which is excellent.

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