Fayette County Bank

Fayette County Bank is headquartered in St. Elmo and is the 540^th largest bank in the state of Illinois. It is also the 7,038^th largest bank in the nation. It was established in 1894 and as of March of 2012, it had grown to 7 employees at 1 location. Fayette County Bank has a 4-star health rating.

Fayette County Bank Routing Number: 081207932

Data for Q1 2012

Institution Statistics Fayette County Bank FDIC Certificate # 1802 BankRate Report View Year Established 1894 Employees 7 Primary Regulator FED Assets and Liabilities Assets $26.33 million Loans $10.77 million Deposits $23.42 million Equity Capital $2.83 million Loan Loss Allowance $135,000 Unbacked Noncurrent Loans $372,000 Historic Data - March 2011 Assets $28.52 million Equity Capital $2.62 million Loan Loss Allowance $171,000 Unbacked Noncurrent Loans $458,000 Real Estate Owned $32,000 Profit Margin - Quarterly Net Interest Margin 3.02% Return on Assets 0.68% Return on Equity 6.23% Interest Income $218,000

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 Fayette County Bank had $372,000 in non-current loans and owned real-estate with $2.96 million in equity and loan loss allowances on hand to cover it. This gives Fayette County Bank a Texas Ratio of 12.55% 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 Fayette County Bank decreased slightly from 17.57% as of March 31, 2011 to 12.55% as of March 31, 2012, resulting in a positive change of 28.54%.This indicates that the balance sheet and financial strength for Fayette County Bank has improved slightly in recent periods. Deposit Growth In the past year, Fayette County Bank has decreased its total deposits by -$2.44 million, resulting in -9.44% 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 Fayette County 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. Fayette County Bank has $26.33 million in assets with $2.96 million in equity, resulting in a capitalization level of 11.25%, which is above average.

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