Central Illinois Bank

Central Illinois Bank is headquartered in Champaign and is the 83^rd largest bank in the state of Illinois. It is also the 1,345^th largest bank in the nation. It was established in 1921 and as of December of 2011, it had grown to 137 employees at 14 locations. Central Illinois Bank has a 3-star health rating.

Data for Q4 2011

Institution Statistics CIBM Bank FDIC Certificate # 11729 BankRate Report View Year Established 1921 Employees 137 Primary Regulator FDIC Assets and Liabilities Assets $500.15 million Loans $340.79 million Deposits $431.13 million Equity Capital $52.19 million Loan Loss Allowance $16.02 million Unbacked Noncurrent Loans $19.25 million Real Estate Owned $6.30 million Historic Data - December 2010 Assets $579.96 million Equity Capital $56.79 million Loan Loss Allowance $14.54 million Unbacked Noncurrent Loans $33.82 million Real Estate Owned $4.61 million Profit Margin - Quarterly Net Interest Margin 3.9% Return on Assets -1.01% Return on Equity -9.94% Interest Income $25.33 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 Central Illinois Bank had $25.54 million in non-current loans and owned real-estate with $68.21 million in equity and loan loss allowances on hand to cover it. This gives Central Illinois Bank a Texas Ratio of 37.45% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Central Illinois Bank decreased slightly from 53.88% as of December 31, 2010 to 37.45% as of December 31, 2011, resulting in a positive change of 30.49%.This indicates that the balance sheet and financial strength for Central Illinois Bank has improved slightly in recent periods. Deposit Growth In the past year, Central Illinois Bank has decreased its total deposits by -$66.75 million, resulting in -13.41% 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 Central Illinois 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. Central Illinois Bank has $500.15 million in assets with $68.21 million in equity, resulting in a capitalization level of 13.64%, which is excellent.

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