Bank of Herrin

Bank of Herrin is headquartered in Herrin and is the 177^th largest bank in the state of Illinois. It is also the 2,578^th largest bank in the nation. It was established in 1904 and as of September of 2011, it had grown to 80 employees at 5 locations. Bank of Herrin has a 3-star health rating.

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Data for Q3 2011

Institution Statistics The Bank of Herrin FDIC Certificate # 11310 BankRate Report View Year Established 1904 Employees 80 Primary Regulator FDIC Assets and Liabilities Assets $246.86 million Loans $123.35 million Deposits $223.88 million Equity Capital $22.72 million Loan Loss Allowance $1.12 million Unbacked Noncurrent Loans $2.78 million Real Estate Owned $999,000 Historic Data - September 2010 Assets $245.01 million Equity Capital $20.06 million Loan Loss Allowance $1.12 million Unbacked Noncurrent Loans $2.55 million Real Estate Owned $1.47 million Profit Margin - Quarterly Net Interest Margin 3.95% Return on Assets 1.33% Return on Equity 15.97% Interest Income $7.79 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 September 30, 2011 Bank of Herrin had $3.78 million in non-current loans and owned real-estate with $23.84 million in equity and loan loss allowances on hand to cover it. This gives Bank of Herrin a Texas Ratio of 15.84% 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 Herrin decreased slightly from 18.94% as of September 30, 2010 to 15.84% as of September 30, 2011, resulting in a positive change of 16.35%.This indicates that the balance sheet and financial strength for Bank of Herrin has improved slightly in recent periods. Deposit Growth In the past year, Bank of Herrin has decreased its total deposits by $-358,000, resulting in -0.16% 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 Bank of Herrin has shown is 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 Herrin has $246.86 million in assets with $23.84 million in equity, resulting in a capitalization level of 9.66%, which is average.

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