Bluestem National Bank

Bluestem National Bank is headquartered in Fairbury and is the 353^rd largest bank in the state of Illinois. It is also the 5,131^st largest bank in the nation. It was established in 1918 and as of December of 2011, it had grown to 25 employees at 3 locations. Bluestem National Bank has a 5-star health rating.

Bluestem National Bank Routing Number: 071119506

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Data for Q4 2011

Institution Statistics Bluestem National Bank FDIC Certificate # 9077 BankRate Report View Year Established 1918 Employees 25 Primary Regulator OCC Assets and Liabilities Assets $93.02 million Loans $36.93 million Deposits $77.84 million Equity Capital $14.50 million Loan Loss Allowance $285,000 Unbacked Noncurrent Loans $985,000 Historic Data - December 2010 Assets $87.61 million Equity Capital $13.45 million Loan Loss Allowance $284,000 Unbacked Noncurrent Loans $1.05 million Profit Margin - Quarterly Net Interest Margin 3.05% Return on Assets 0.57% Return on Equity 3.74% Interest Income $2.76 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 Bluestem National Bank had $985,000 in non-current loans and owned real-estate with $14.78 million in equity and loan loss allowances on hand to cover it. This gives Bluestem National Bank a Texas Ratio of 6.66% 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 Bluestem National Bank held steady from 7.64% as of December 31, 2010 to 6.66% as of December 31, 2011, resulting in a positive change of 12.78%.This indicates that the balance sheet and financial strength for Bluestem National Bank has held steady in recent periods. Deposit Growth In the past year, Bluestem National Bank has increased its total deposits by $3.91 million, resulting in 5.29% 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 Bluestem National Bank 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. Bluestem National Bank has $93.02 million in assets with $14.78 million in equity, resulting in a capitalization level of 15.89%, which is excellent.

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