Apple River State Bank

Apple River State Bank is headquartered in Apple River and is the 157^th largest bank in the state of Illinois. It is also the 2,395^th largest bank in the nation. It was established in 1948 and as of December of 2011, it had grown to 57 employees at 6 locations. Apple River State Bank has a 3-star health rating.

Data for Q4 2011

Institution Statistics Apple River State Bank FDIC Certificate # 17453 BankRate Report View Year Established 1948 Employees 57 Primary Regulator FDIC Assets and Liabilities Assets $266.83 million Loans $161.63 million Deposits $235.15 million Equity Capital $22.18 million Loan Loss Allowance $2.04 million Unbacked Noncurrent Loans $3.43 million Real Estate Owned $881,000 Historic Data - December 2010 Assets $260.23 million Equity Capital $21.63 million Loan Loss Allowance $1.89 million Unbacked Noncurrent Loans $1.45 million Real Estate Owned $727,000 Profit Margin - Quarterly Net Interest Margin 3.61% Return on Assets 0.4% Return on Equity 4.68% Interest Income $11.81 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 December 31, 2011 Apple River State Bank had $4.31 million in non-current loans and owned real-estate with $24.22 million in equity and loan loss allowances on hand to cover it. This gives Apple River State Bank a Texas Ratio of 17.81% 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 Apple River State Bank increased slightly from 9.26% as of December 31, 2010 to 17.81% as of December 31, 2011, resulting in a negative change of 92.19%. This indicates that the balance sheet and financial strength for Apple River State Bank has declined slightly in recent periods. Deposit Growth In the past year, Apple River State Bank has increased its total deposits by $7.46 million, resulting in 3.28% 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 Apple River State 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. Apple River State Bank has $266.83 million in assets with $24.22 million in equity, resulting in a capitalization level of 9.08%, which is average.

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