Brown County State Bank

Brown County State Bank is headquartered in Mount Sterling and is the 366^th largest bank in the state of Illinois. It is also the 5,250^th largest bank in the nation. It was established in 1901 and as of December of 2011, it had grown to 19 employees at 2 locations. Brown County State Bank's savings rates are 92% higher than the national average, and it boasts a 5-star health rating.

Brown County State Bank Routing Number: 081206496

Brown County State Bank Checking Account Rates

Brown County State Bank Savings Account Rates

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Data for Q4 2011

Institution Statistics Brown County State Bank FDIC Certificate # 11721 BankRate Report View Year Established 1901 Employees 19 Primary Regulator FDIC Assets and Liabilities Assets $88.58 million Loans $54.01 million Deposits $63.03 million Equity Capital $11.47 million Loan Loss Allowance $184,000 Unbacked Noncurrent Loans $356,000 Real Estate Owned $260,000 Historic Data - December 2010 Assets $86.61 million Equity Capital $8.76 million Loan Loss Allowance $243,000 Unbacked Noncurrent Loans $834,000 Real Estate Owned $276,000 Profit Margin - Quarterly Net Interest Margin 3.85% Return on Assets 1.74% Return on Equity 14.85% Interest Income $3.68 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 Brown County State Bank had $616,000 in non-current loans and owned real-estate with $11.65 million in equity and loan loss allowances on hand to cover it. This gives Brown County State Bank a Texas Ratio of 5.29% 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 Brown County State Bank decreased significantly from 12.33% as of December 31, 2010 to 5.29% as of December 31, 2011, resulting in a positive change of 57.12%.This indicates that the balance sheet and financial strength for Brown County State Bank has improved significantly in recent periods. Deposit Growth In the past year, Brown County State Bank has decreased its total deposits by $-401,000, resulting in -0.63% 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 Brown County State 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. Brown County State Bank has $88.58 million in assets with $11.65 million in equity, resulting in a capitalization level of 13.15%, which is excellent.

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