Casey State Bank

Casey State Bank is headquartered in Casey and is the 184^th largest bank in the state of Illinois. It is also the 2,707^th largest bank in the nation. It was established in 1880 and as of December of 2011, it had grown to 66 employees at 10 locations. Casey State Bank has a 3-star health rating.

Data for Q4 2011

Institution Statistics Casey State Bank FDIC Certificate # 3614 BankRate Report View Year Established 1880 Employees 66 Primary Regulator FDIC Assets and Liabilities Assets $234.84 million Loans $158.55 million Deposits $210.36 million Equity Capital $23.92 million Loan Loss Allowance $2.15 million Unbacked Noncurrent Loans $4.18 million Real Estate Owned $369,000 Historic Data - December 2010 Assets $251.58 million Equity Capital $20.43 million Loan Loss Allowance $2.76 million Unbacked Noncurrent Loans $2.06 million Real Estate Owned $540,000 Profit Margin - Quarterly Net Interest Margin 3.95% Return on Assets 1.91% Return on Equity 20.79% Interest Income $11.77 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 Casey State Bank had $4.55 million in non-current loans and owned real-estate with $26.07 million in equity and loan loss allowances on hand to cover it. This gives Casey State Bank a Texas Ratio of 17.46% 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 Casey State Bank increased slightly from 11.21% as of December 31, 2010 to 17.46% as of December 31, 2011, resulting in a negative change of 55.73%. This indicates that the balance sheet and financial strength for Casey State Bank has declined slightly in recent periods. Deposit Growth In the past year, Casey State Bank has decreased its total deposits by -$18.73 million, resulting in -8.18% 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 Casey State Bank has shown is poor. 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. Casey State Bank has $234.84 million in assets with $26.07 million in equity, resulting in a capitalization level of 11.10%, which is above average.

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