First Mid-Illinois Bank & Trust, National Association

First Mid-Illinois Bank & Trust, National Association is headquartered in Mattoon and is the 24^th largest bank in the state of Illinois. It is also the 437^th largest bank in the nation. It was established in 1865 and as of March of 2012, it had grown to 382 employees at 37 locations. First Mid-Illinois Bank & Trust, National Association has a 5-star health rating.

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Data for Q1 2012

Institution Statistics FIRST MID-ILLINOIS BANK & TRUST, NATIONAL ASSOCIATION FDIC Certificate # 3705 BankRate Report View Year Established 1865 Employees 382 Primary Regulator OCC Assets and Liabilities Assets $1.52 billion Loans $829.54 million Deposits $1.25 billion Equity Capital $146.95 million Loan Loss Allowance $11.29 million Unbacked Noncurrent Loans $6.71 million Real Estate Owned $3.29 million Historic Data - March 2011 Assets $1.48 billion Equity Capital $130.45 million Loan Loss Allowance $10.65 million Unbacked Noncurrent Loans $10.88 million Real Estate Owned $5.93 million Profit Margin - Quarterly Net Interest Margin 3.56% Return on Assets 0.95% Return on Equity 9.87% Interest Income $13.99 million

Institution Health Overall Score: 5 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 First Mid-Illinois Bank & Trust, National Association had $10.01 million in non-current loans and owned real-estate with $158.24 million in equity and loan loss allowances on hand to cover it. This gives First Mid-Illinois Bank & Trust, National Association a Texas Ratio of 6.32% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for First Mid-Illinois Bank & Trust, National Association decreased significantly from 12.01% as of March 31, 2011 to 6.32% as of March 31, 2012, resulting in a positive change of 47.34%.This indicates that the balance sheet and financial strength for First Mid-Illinois Bank & Trust, National Association has improved significantly in recent periods. Deposit Growth In the past year, First Mid-Illinois Bank & Trust, National Association has increased its total deposits by $17.78 million, resulting in 1.44% 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 First Mid-Illinois Bank & Trust, National Association has shown is above 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. First Mid-Illinois Bank & Trust, National Association has $1.52 billion in assets with $158.24 million in equity, resulting in a capitalization level of 10.40%, which is above average.

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