First Robinson Savings Bank N.A.

First Robinson Savings Bank N.A. is headquartered in Robinson and is the 211^st largest bank in the state of Illinois. It is also the 3,074^th largest bank in the nation. It was established in 1884 and as of September of 2011, it had grown to 62 employees at 5 locations. First Robinson Savings Bank N.A. has a 5-star health rating.

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Data for Q3 2011

Institution Statistics First Robinson Savings Bank, National Association FDIC Certificate # 28105 BankRate Report View Year Established 1884 Employees 62 Primary Regulator OCC Assets and Liabilities Assets $201.68 million Loans $122.28 million Deposits $161.84 million Equity Capital $19.95 million Loan Loss Allowance $1.15 million Unbacked Noncurrent Loans $194,000 Real Estate Owned $41,000 Historic Data - September 2010 Assets $188.09 million Equity Capital $13.94 million Loan Loss Allowance $1.06 million Unbacked Noncurrent Loans $356,000 Real Estate Owned $55,000 Profit Margin - Quarterly Net Interest Margin 3.48% Return on Assets 0.74% Return on Equity 9.63% Interest Income $6.26 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 September 30, 2011 First Robinson Savings Bank N.A. had $235,000 in non-current loans and owned real-estate with $21.1 million in equity and loan loss allowances on hand to cover it. This gives First Robinson Savings Bank N.A. a Texas Ratio of 1.11% 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 Robinson Savings Bank N.A. decreased significantly from 2.74% as of September 30, 2010 to 1.11% as of September 30, 2011, resulting in a positive change of 59.34%.This indicates that the balance sheet and financial strength for First Robinson Savings Bank N.A. has improved significantly in recent periods. Deposit Growth In the past year, First Robinson Savings Bank N.A. has increased its total deposits by $4.77 million, resulting in 3.04% 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 Robinson Savings Bank N.A. 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 Robinson Savings Bank N.A. has $201.68 million in assets with $21.1 million in equity, resulting in a capitalization level of 10.46%, which is above average.

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