Walworth State Bank

Walworth State Bank is headquartered in Walworth and is the 86^th largest bank in the state of Wisconsin. It is also the 2,608^th largest bank in the nation. It was established in 1903 and as of March of 2012, it had grown to 41 employees at 4 locations. Walworth State Bank has a 4-star health rating.

Walworth State Bank Routing Number: 075907073

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Data for Q1 2012

Institution Statistics Walworth State Bank FDIC Certificate # 15231 BankRate Report View Year Established 1903 Employees 41 Primary Regulator FDIC Assets and Liabilities Assets $246.53 million Loans $196.91 million Deposits $216.42 million Equity Capital $24.35 million Loan Loss Allowance $3.11 million Unbacked Noncurrent Loans $3.83 million Real Estate Owned $3.12 million Historic Data - March 2011 Assets $230.86 million Equity Capital $22.30 million Loan Loss Allowance $3.16 million Unbacked Noncurrent Loans $6.28 million Real Estate Owned $1.13 million Profit Margin - Quarterly Net Interest Margin 4.26% Return on Assets 1.09% Return on Equity 11% Interest Income $2.88 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 Walworth State Bank had $6.95 million in non-current loans and owned real-estate with $27.45 million in equity and loan loss allowances on hand to cover it. This gives Walworth State Bank a Texas Ratio of 25.31% 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 Walworth State Bank held steady from 29.09% as of March 31, 2011 to 25.31% as of March 31, 2012, resulting in a positive change of 12.98%.This indicates that the balance sheet and financial strength for Walworth State Bank has held steady in recent periods. Deposit Growth In the past year, Walworth State Bank has increased its total deposits by $17.21 million, resulting in 8.64% 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 Walworth State Bank 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. Walworth State Bank has $246.53 million in assets with $27.45 million in equity, resulting in a capitalization level of 11.14%, which is above average.

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