Banterra Bank

Banterra Bank is headquartered in Marion and is the 35^th largest bank in the state of Illinois. It is also the 595^th largest bank in the nation. It was established in 1955 and as of December of 2011, it had grown to 318 employees at 31 locations. Banterra Bank has a 3-star health rating.

Data for Q4 2011

Institution Statistics Banterra Bank FDIC Certificate # 17514 BankRate Report View Year Established 1955 Employees 318 Primary Regulator FDIC Assets and Liabilities Assets $1.10 billion Loans $738.93 million Deposits $959.19 million Equity Capital $106.62 million Loan Loss Allowance $9.68 million Unbacked Noncurrent Loans $20.94 million Real Estate Owned $715,000 Historic Data - December 2010 Assets $1.09 billion Equity Capital $91.48 million Loan Loss Allowance $9.27 million Unbacked Noncurrent Loans $21.24 million Real Estate Owned $474,000 Profit Margin - Quarterly Net Interest Margin 4.2% Return on Assets 1.71% Return on Equity 19.08% Interest Income $49.71 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 Banterra Bank had $21.66 million in non-current loans and owned real-estate with $116.29 million in equity and loan loss allowances on hand to cover it. This gives Banterra Bank a Texas Ratio of 18.62% 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 Banterra Bank held steady from 21.56% as of December 31, 2010 to 18.62% as of December 31, 2011, resulting in a positive change of 13.63%.This indicates that the balance sheet and financial strength for Banterra Bank has held steady in recent periods. Deposit Growth In the past year, Banterra Bank has increased its total deposits by $9.32 million, resulting in 0.98% 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 Banterra Bank 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. Banterra Bank has $1.1 billion in assets with $116.29 million in equity, resulting in a capitalization level of 10.54%, which is above average.

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