Williamsville State Bank & Trust

Williamsville State Bank & Trust is headquartered in Williamsville and is the 311^st largest bank in the state of Illinois. It is also the 4,542^nd largest bank in the nation. It was established in 1890 and as of March of 2012, it had grown to 46 employees at 4 locations. Williamsville State Bank & Trust has a 4-star health rating.

Williamsville State Bank & Trust CD Rates

Data for Q1 2012

Institution Statistics Williamsville State Bank & Trust FDIC Certificate # 12388 BankRate Report View Year Established 1890 Employees 46 Primary Regulator FDIC Assets and Liabilities Assets $116.56 million Loans $49.78 million Deposits $101.89 million Equity Capital $13.07 million Loan Loss Allowance $385,000 Unbacked Noncurrent Loans $1.08 million Real Estate Owned $679,000 Historic Data - March 2011 Assets $109.34 million Equity Capital $11.89 million Loan Loss Allowance $560,000 Unbacked Noncurrent Loans $670,000 Real Estate Owned $176,000 Profit Margin - Quarterly Net Interest Margin 3.05% Return on Assets 0.67% Return on Equity 5.91% Interest Income $1.03 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 Williamsville State Bank & Trust had $1.76 million in non-current loans and owned real-estate with $13.46 million in equity and loan loss allowances on hand to cover it. This gives Williamsville State Bank & Trust a Texas Ratio of 13.09% 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 Williamsville State Bank & Trust increased slightly from 6.80% as of March 31, 2011 to 13.09% as of March 31, 2012, resulting in a negative change of 92.67%. This indicates that the balance sheet and financial strength for Williamsville State Bank & Trust has declined slightly in recent periods. Deposit Growth In the past year, Williamsville State Bank & Trust has increased its total deposits by $5.91 million, resulting in 6.16% 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 Williamsville State Bank & Trust 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. Williamsville State Bank & Trust has $116.56 million in assets with $13.46 million in equity, resulting in a capitalization level of 11.55%, which is above average.

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