Wenona State Bank

Wenona State Bank is headquartered in Wenona and is the 521^st largest bank in the state of Illinois. It is also the 6,843^rd largest bank in the nation. It was established in 1934 and as of March of 2012, it had grown to 8 employees at 1 location. Wenona State Bank has a 3-star health rating.

Wenona State Bank Routing Number: 071107424

Data for Q1 2012

Institution Statistics Wenona State Bank FDIC Certificate # 17401 BankRate Report View Year Established 1934 Employees 8 Primary Regulator FDIC Assets and Liabilities Assets $33.92 million Loans $12.22 million Deposits $29.55 million Equity Capital $4.20 million Loan Loss Allowance $227,000 Unbacked Noncurrent Loans $355,000 Real Estate Owned $750,000 Historic Data - March 2011 Assets $36.24 million Equity Capital $4.22 million Loan Loss Allowance $267,000 Unbacked Noncurrent Loans $269,000 Real Estate Owned $1.05 million Profit Margin - Quarterly Net Interest Margin 3.27% Return on Assets 0.88% Return on Equity 7.2% Interest Income $303,000

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 Wenona State Bank had $1.1 million in non-current loans and owned real-estate with $4.42 million in equity and loan loss allowances on hand to cover it. This gives Wenona State Bank a Texas Ratio of 24.98% 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 Wenona State Bank decreased slightly from 29.40% as of March 31, 2011 to 24.98% as of March 31, 2012, resulting in a positive change of 15.03%.This indicates that the balance sheet and financial strength for Wenona State Bank has improved slightly in recent periods. Deposit Growth In the past year, Wenona State Bank has decreased its total deposits by -$2.37 million, resulting in -7.41% 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 Wenona State 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. Wenona State Bank has $33.92 million in assets with $4.42 million in equity, resulting in a capitalization level of 13.04%, which is excellent.

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