Bank of Montgomery (IL)

Bank of Montgomery (IL) is headquartered in Montgomery and is the 516^st largest bank in the state of Illinois. It is also the 6,788^th largest bank in the nation. It was established in 1972 and as of December of 2011, it had grown to 9 employees at 1 location. Bank of Montgomery (IL) has a 4-star health rating.

Data for Q4 2011

Institution Statistics Bank of Montgomery FDIC Certificate # 20769 BankRate Report View Year Established 1972 Employees 9 Primary Regulator FDIC Assets and Liabilities Assets $36.74 million Loans $16.34 million Deposits $33.05 million Equity Capital $3.65 million Loan Loss Allowance $177,000 Unbacked Noncurrent Loans $342,000 Real Estate Owned $270,000 Historic Data - December 2010 Assets $34.68 million Equity Capital $3.66 million Loan Loss Allowance $363,000 Unbacked Noncurrent Loans $701,000 Real Estate Owned $336,000 Profit Margin - Quarterly Net Interest Margin 3.54% Return on Assets -0.41% Return on Equity -3.94% Interest Income $1.47 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 Montgomery (IL) had $612,000 in non-current loans and owned real-estate with $3.82 million in equity and loan loss allowances on hand to cover it. This gives Bank of Montgomery (IL) a Texas Ratio of 16.01% 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 Montgomery (IL) decreased slightly from 25.78% as of December 31, 2010 to 16.01% as of December 31, 2011, resulting in a positive change of 37.90%.This indicates that the balance sheet and financial strength for Bank of Montgomery (IL) has improved slightly in recent periods. Deposit Growth In the past year, Bank of Montgomery (IL) has increased its total deposits by $2.07 million, resulting in 6.7% 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 Montgomery (IL) 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 Montgomery (IL) has $36.74 million in assets with $3.82 million in equity, resulting in a capitalization level of 10.41%, which is above average.

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