Bank of Edwardsville

Bank of Edwardsville is headquartered in Edwardsville and is the 22^nd largest bank in the state of Illinois. It is also the 430^th largest bank in the nation. It was established in 1868 and as of December of 2011, it had grown to 354 employees at 20 locations. Bank of Edwardsville has a 4-star health rating.

Bank of Edwardsville Routing Number: 081004070

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Data for Q4 2011

Institution Statistics The Bank of Edwardsville FDIC Certificate # 1039 BankRate Report View Year Established 1868 Employees 354 Primary Regulator FDIC Assets and Liabilities Assets $1.56 billion Loans $654.83 million Deposits $1.29 billion Equity Capital $146.57 million Loan Loss Allowance $19.93 million Unbacked Noncurrent Loans $19.16 million Real Estate Owned $6.30 million Historic Data - December 2010 Assets $1.50 billion Equity Capital $127.57 million Loan Loss Allowance $19.78 million Unbacked Noncurrent Loans $16.88 million Real Estate Owned $7.41 million Profit Margin - Quarterly Net Interest Margin 2.89% Return on Assets 0.77% Return on Equity 8.48% Interest Income $54.22 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 December 31, 2011 Bank of Edwardsville had $25.46 million in non-current loans and owned real-estate with $166.5 million in equity and loan loss allowances on hand to cover it. This gives Bank of Edwardsville a Texas Ratio of 15.29% 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 Bank of Edwardsville held steady from 16.55% as of December 31, 2010 to 15.29% as of December 31, 2011, resulting in a positive change of 7.62%.This indicates that the balance sheet and financial strength for Bank of Edwardsville has held steady in recent periods. Deposit Growth In the past year, Bank of Edwardsville has increased its total deposits by $64.97 million, resulting in 5.31% 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 Bank of Edwardsville 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. Bank of Edwardsville has $1.56 billion in assets with $166.5 million in equity, resulting in a capitalization level of 10.68%, which is above average.

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