Bank of Gibson City

Bank of Gibson City is headquartered in Gibson City and is the 429^th largest bank in the state of Illinois. It is also the 5,884^th largest bank in the nation. It was established in 1979 and as of December of 2011, it had grown to 13 employees at 1 location. Bank of Gibson City has a 3-star health rating.

Bank of Gibson City Routing Number: 071124821

Data for Q4 2011

Institution Statistics Bank of Gibson City FDIC Certificate # 22838 BankRate Report View Year Established 1979 Employees 13 Primary Regulator FDIC Assets and Liabilities Assets $66.82 million Loans $39.75 million Deposits $56.05 million Equity Capital $8.83 million Loan Loss Allowance $516,000 Unbacked Noncurrent Loans $1.49 million Historic Data - December 2010 Assets $68.73 million Equity Capital $8.97 million Loan Loss Allowance $509,000 Unbacked Noncurrent Loans $1.50 million Profit Margin - Quarterly Net Interest Margin 3.18% Return on Assets 0.13% Return on Equity 1.02% Interest Income $2.38 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 Bank of Gibson City had $1.49 million in non-current loans and owned real-estate with $9.34 million in equity and loan loss allowances on hand to cover it. This gives Bank of Gibson City a Texas Ratio of 15.92% 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 Gibson City held steady from 15.79% as of December 31, 2010 to 15.92% as of December 31, 2011, resulting in a negative change of 0.83%. This indicates that the balance sheet and financial strength for Bank of Gibson City has held steady in recent periods. Deposit Growth In the past year, Bank of Gibson City has decreased its total deposits by -$2.16 million, resulting in -3.7% 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 Gibson City has shown is below 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. Bank of Gibson City has $66.82 million in assets with $9.34 million in equity, resulting in a capitalization level of 13.98%, which is excellent.

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