Beardstown Savings s.b.

Beardstown Savings s.b. is headquartered in Beardstown and is the 499^th largest bank in the state of Illinois. It is also the 6,575^th largest bank in the nation. It was established in 1911 and as of December of 2011, it had grown to 10 employees at 2 locations. Beardstown Savings s.b. has a 3-star health rating.

Beardstown Savings s.b. Routing Number: 271170154

Data for Q4 2011

Institution Statistics Beardstown Savings s.b. FDIC Certificate # 30043 BankRate Report View Year Established 1911 Employees 10 Primary Regulator FDIC Assets and Liabilities Assets $43.47 million Loans $26.42 million Deposits $38.81 million Equity Capital $4.37 million Loan Loss Allowance $533,000 Unbacked Noncurrent Loans $841,000 Real Estate Owned $937,000 Historic Data - December 2010 Assets $44.70 million Equity Capital $3.96 million Loan Loss Allowance $458,000 Unbacked Noncurrent Loans $542,000 Real Estate Owned $1.57 million Profit Margin - Quarterly Net Interest Margin 3.63% Return on Assets 0.49% Return on Equity 5.1% Interest Income $2.12 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 Beardstown Savings s.b. had $1.78 million in non-current loans and owned real-estate with $4.91 million in equity and loan loss allowances on hand to cover it. This gives Beardstown Savings s.b. a Texas Ratio of 36.23% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Beardstown Savings s.b. decreased slightly from 47.87% as of December 31, 2010 to 36.23% as of December 31, 2011, resulting in a positive change of 24.31%.This indicates that the balance sheet and financial strength for Beardstown Savings s.b. has improved slightly in recent periods. Deposit Growth In the past year, Beardstown Savings s.b. has decreased its total deposits by -$1.56 million, resulting in -3.85% 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 Beardstown Savings s.b. 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. Beardstown Savings s.b. has $43.47 million in assets with $4.91 million in equity, resulting in a capitalization level of 11.29%, which is above average.

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