Wayne Bank and Trust Co.

Wayne Bank and Trust Co. is headquartered in Cambridge City and is the 82^nd largest bank in the state of Indiana. It is also the 3,864^th largest bank in the nation. It was established in 1882 and as of March of 2012, it had grown to 42 employees at 3 locations. Wayne Bank and Trust Co. has a 3-star health rating.

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Data for Q1 2012

Institution Statistics Wayne Bank and Trust Co. FDIC Certificate # 1849 BankRate Report View Year Established 1882 Employees 42 Primary Regulator FED Assets and Liabilities Assets $150.40 million Loans $109.91 million Deposits $117.92 million Equity Capital $14.95 million Loan Loss Allowance $3.90 million Unbacked Noncurrent Loans $7.56 million Real Estate Owned $2.27 million Historic Data - March 2011 Assets $156.02 million Equity Capital $16.70 million Loan Loss Allowance $2.48 million Unbacked Noncurrent Loans $7.17 million Real Estate Owned $555,000 Profit Margin - Quarterly Net Interest Margin 4.16% Return on Assets 0.54% Return on Equity 5.47% Interest Income $1.84 million

Institution Health Overall Score: 3 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 Wayne Bank and Trust Co. had $9.83 million in non-current loans and owned real-estate with $18.85 million in equity and loan loss allowances on hand to cover it. This gives Wayne Bank and Trust Co. a Texas Ratio of 52.14% 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 Wayne Bank and Trust Co. increased slightly from 40.27% as of March 31, 2011 to 52.14% as of March 31, 2012, resulting in a negative change of 29.47%. This indicates that the balance sheet and financial strength for Wayne Bank and Trust Co. has declined slightly in recent periods. Deposit Growth In the past year, Wayne Bank and Trust Co. has decreased its total deposits by -$3.24 million, resulting in -2.67% 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 Wayne Bank and Trust Co. has shown is below 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. Wayne Bank and Trust Co. has $150.4 million in assets with $18.85 million in equity, resulting in a capitalization level of 12.53%, which is excellent.

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