White Hall Bank

White Hall Bank is headquartered in White Hall and is the 456^th largest bank in the state of Illinois. It is also the 6,209^th largest bank in the nation. It was established in 1904 and as of March of 2012, it had grown to 14 employees at 1 location. White Hall Bank has a 4-star health rating.

White Hall Bank Routing Number: 081905182

Data for Q1 2012

Institution Statistics White Hall Bank FDIC Certificate # 3844 BankRate Report View Year Established 1904 Employees 14 Primary Regulator FDIC Assets and Liabilities Assets $55.23 million Loans $29.68 million Deposits $46.92 million Equity Capital $4.72 million Loan Loss Allowance $575,000 Unbacked Noncurrent Loans $221,000 Real Estate Owned $289,000 Historic Data - March 2011 Assets $53.47 million Equity Capital $3.78 million Loan Loss Allowance $623,000 Unbacked Noncurrent Loans $967,000 Real Estate Owned $551,000 Profit Margin - Quarterly Net Interest Margin 3.96% Return on Assets 1.82% Return on Equity 21.16% Interest Income $640,000

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 White Hall Bank had $510,000 in non-current loans and owned real-estate with $5.29 million in equity and loan loss allowances on hand to cover it. This gives White Hall Bank a Texas Ratio of 9.63% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for White Hall Bank decreased significantly from 34.49% as of March 31, 2011 to 9.63% as of March 31, 2012, resulting in a positive change of 72.07%.This indicates that the balance sheet and financial strength for White Hall Bank has improved significantly in recent periods. Deposit Growth In the past year, White Hall Bank has increased its total deposits by $1.31 million, resulting in 2.87% 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 White Hall Bank has shown is above 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. White Hall Bank has $55.23 million in assets with $5.29 million in equity, resulting in a capitalization level of 9.59%, which is average.

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