Warren-Boynton State Bank

Warren-Boynton State Bank is headquartered in New Berlin and is the 295^th largest bank in the state of Illinois. It is also the 4,302^nd largest bank in the nation. It was established in 1877 and as of March of 2012, it had grown to 23 employees at 2 locations. Warren-Boynton State Bank has a 5-star health rating.

Warren-Boynton State Bank Routing Number: 071109846

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Data for Q1 2012

Institution Statistics Warren-Boynton State Bank FDIC Certificate # 11674 BankRate Report View Year Established 1877 Employees 23 Primary Regulator FDIC Assets and Liabilities Assets $127.76 million Loans $88.61 million Deposits $103.86 million Equity Capital $16.27 million Loan Loss Allowance $1.07 million Real Estate Owned $350,000 Historic Data - March 2011 Assets $116.33 million Equity Capital $14.70 million Loan Loss Allowance $1.03 million Profit Margin - Quarterly Net Interest Margin 4.22% Return on Assets 1.51% Return on Equity 11.85% Interest Income $1.47 million

Institution Health Overall Score: 5 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 Warren-Boynton State Bank had $350,000 in non-current loans and owned real-estate with $17.33 million in equity and loan loss allowances on hand to cover it. This gives Warren-Boynton State Bank a Texas Ratio of 2.02% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Deposit Growth In the past year, Warren-Boynton State Bank has increased its total deposits by $8.45 million, resulting in 8.86% 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 Warren-Boynton 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. Warren-Boynton State Bank has $127.76 million in assets with $17.33 million in equity, resulting in a capitalization level of 13.57%, which is excellent.

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