Byron Bank

Byron Bank is headquartered in Byron and is the 191^st largest bank in the state of Illinois. It is also the 2,835^th largest bank in the nation. It was established in 1932 and as of December of 2011, it had grown to 61 employees at 5 locations. Byron Bank has a 4-star health rating.

Byron Bank Routing Number: 071908908

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Data for Q4 2011

Institution Statistics Byron Bank FDIC Certificate # 902 BankRate Report View Year Established 1932 Employees 61 Primary Regulator FDIC Assets and Liabilities Assets $223.46 million Loans $132.45 million Deposits $200.85 million Equity Capital $22.16 million Loan Loss Allowance $2.04 million Unbacked Noncurrent Loans $3.81 million Real Estate Owned $242,000 Historic Data - December 2010 Assets $216.38 million Equity Capital $19.39 million Loan Loss Allowance $1.52 million Unbacked Noncurrent Loans $3.85 million Real Estate Owned $843,000 Profit Margin - Quarterly Net Interest Margin 3.58% Return on Assets 0.58% Return on Equity 6.31% Interest Income $9.63 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 Byron Bank had $4.05 million in non-current loans and owned real-estate with $24.2 million in equity and loan loss allowances on hand to cover it. This gives Byron Bank a Texas Ratio of 16.75% 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 Byron Bank decreased slightly from 22.45% as of December 31, 2010 to 16.75% as of December 31, 2011, resulting in a positive change of 25.40%.This indicates that the balance sheet and financial strength for Byron Bank has improved slightly in recent periods. Deposit Growth In the past year, Byron Bank has increased its total deposits by $4.43 million, resulting in 2.25% 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 Byron Bank has shown is above 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. Byron Bank has $223.46 million in assets with $24.2 million in equity, resulting in a capitalization level of 10.83%, which is above average.

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