Capaha Bank, SB

Capaha Bank, SB is headquartered in Tamms and is the 233^rd largest bank in the state of Illinois. It is also the 3,399^th largest bank in the nation. It was established in 1955 and as of December of 2011, it had grown to 67 employees at 6 locations. Capaha Bank, SB has a 4-star health rating.

Data for Q4 2011

Institution Statistics Capaha Bank, SB FDIC Certificate # 17524 BankRate Report View Year Established 1955 Employees 67 Primary Regulator FDIC Assets and Liabilities Assets $177.75 million Loans $128.45 million Deposits $160.55 million Equity Capital $16.58 million Loan Loss Allowance $1.79 million Unbacked Noncurrent Loans $1.63 million Real Estate Owned $950,000 Historic Data - December 2010 Assets $181.54 million Equity Capital $15.90 million Loan Loss Allowance $1.40 million Unbacked Noncurrent Loans $1.88 million Real Estate Owned $1.75 million Profit Margin - Quarterly Net Interest Margin 4.36% Return on Assets 0.62% Return on Equity 6.79% Interest Income $8.21 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 Capaha Bank, SB had $2.58 million in non-current loans and owned real-estate with $18.36 million in equity and loan loss allowances on hand to cover it. This gives Capaha Bank, SB a Texas Ratio of 14.04% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Capaha Bank, SB decreased slightly from 21.15% as of December 31, 2010 to 14.04% as of December 31, 2011, resulting in a positive change of 33.60%.This indicates that the balance sheet and financial strength for Capaha Bank, SB has improved slightly in recent periods. Deposit Growth In the past year, Capaha Bank, SB has decreased its total deposits by -$4.46 million, resulting in -2.7% 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 Capaha Bank, SB 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. Capaha Bank, SB has $177.75 million in assets with $18.36 million in equity, resulting in a capitalization level of 10.33%, which is above average.

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