Evergreen Bank Group

Evergreen Bank Group is headquartered in Oak Brook and is the 103^rd largest bank in the state of Illinois. It is also the 1,648^th largest bank in the nation. It was established in 1999 and as of March of 2012, it had grown to 65 employees at 2 locations. Evergreen Bank Group's savings rates are 25% higher than the national average, and it has a 4-star health rating.

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Data for Q1 2012

Institution Statistics Evergreen Bank Group FDIC Certificate # 35230 BankRate Report View Year Established 1999 Employees 65 Primary Regulator FDIC Assets and Liabilities Assets $404.38 million Loans $284.37 million Deposits $361.35 million Equity Capital $41.63 million Loan Loss Allowance $6.15 million Unbacked Noncurrent Loans $3.62 million Real Estate Owned $990,000 Historic Data - March 2011 Assets $381.25 million Equity Capital $37.28 million Loan Loss Allowance $5.81 million Unbacked Noncurrent Loans $2.48 million Real Estate Owned $1.15 million Profit Margin - Quarterly Net Interest Margin 4.63% Return on Assets 1.13% Return on Equity 10.98% Interest Income $5.33 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 March 31, 2012 Evergreen Bank Group had $4.61 million in non-current loans and owned real-estate with $47.78 million in equity and loan loss allowances on hand to cover it. This gives Evergreen Bank Group a Texas Ratio of 9.64% 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 Evergreen Bank Group held steady from 8.43% as of March 31, 2011 to 9.64% as of March 31, 2012, resulting in a negative change of 14.40%. This indicates that the balance sheet and financial strength for Evergreen Bank Group has held steady in recent periods. Deposit Growth In the past year, Evergreen Bank Group has increased its total deposits by $18.29 million, resulting in 5.33% 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 Evergreen Bank Group has shown is excellent. 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. Evergreen Bank Group has $404.38 million in assets with $47.78 million in equity, resulting in a capitalization level of 11.82%, which is above average.

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