Bank of Kampsville

Bank of Kampsville is headquartered in Kampsville and is the 333^rd largest bank in the state of Illinois. It is also the 4,896^th largest bank in the nation. It was established in 1908 and as of December of 2011, it had grown to 21 employees at 4 locations. Bank of Kampsville's savings rates are 5X the national average, and it boasts a 5-star health rating.

Bank of Kampsville Routing Number: 081913860

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Data for Q4 2011

Institution Statistics Bank of Kampsville FDIC Certificate # 11750 BankRate Report View Year Established 1908 Employees 21 Primary Regulator FDIC Assets and Liabilities Assets $101.67 million Loans $58.36 million Deposits $86.86 million Equity Capital $14.32 million Loan Loss Allowance $488,000 Unbacked Noncurrent Loans $246,000 Historic Data - December 2010 Assets $98.08 million Equity Capital $13.26 million Loan Loss Allowance $533,000 Unbacked Noncurrent Loans $74,000 Real Estate Owned $100,000 Profit Margin - Quarterly Net Interest Margin 3.52% Return on Assets 0.99% Return on Equity 7.25% Interest Income $4.47 million

Institution Health Overall Score: 5 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 Kampsville had $246,000 in non-current loans and owned real-estate with $14.81 million in equity and loan loss allowances on hand to cover it. This gives Bank of Kampsville a Texas Ratio of 1.66% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Bank of Kampsville held steady from 1.26% as of December 31, 2010 to 1.66% as of December 31, 2011, resulting in a negative change of 31.63%. This indicates that the balance sheet and financial strength for Bank of Kampsville has held steady in recent periods. Deposit Growth In the past year, Bank of Kampsville has increased its total deposits by $2.55 million, resulting in 3.02% 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 Kampsville 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. Bank of Kampsville has $101.67 million in assets with $14.81 million in equity, resulting in a capitalization level of 14.57%, which is excellent.

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