First State Bank of Beecher City

First State Bank of Beecher City is headquartered in Beecher City and is the 430^th largest bank in the state of Illinois. It is also the 5,917^st largest bank in the nation. It was established in 1910 and as of March of 2012, it had grown to 15 employees at 1 location. First State Bank of Beecher City has a 5-star health rating.

First State Bank of Beecher City Routing Number: 081211669

Data for Q1 2012

Institution Statistics First State Bank of Beecher City FDIC Certificate # 10871 BankRate Report View Year Established 1910 Employees 15 Primary Regulator FDIC Assets and Liabilities Assets $65.29 million Loans $46.41 million Deposits $57.50 million Equity Capital $7.69 million Loan Loss Allowance $953,000 Unbacked Noncurrent Loans $1.05 million Real Estate Owned $85,000 Historic Data - March 2011 Assets $60.94 million Equity Capital $7.17 million Loan Loss Allowance $856,000 Unbacked Noncurrent Loans $1.10 million Profit Margin - Quarterly Net Interest Margin 5.08% Return on Assets 1.86% Return on Equity 15.29% Interest Income $822,000

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 State Bank of Beecher City had $1.14 million in non-current loans and owned real-estate with $8.65 million in equity and loan loss allowances on hand to cover it. This gives First State Bank of Beecher City a Texas Ratio of 13.17% 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 First State Bank of Beecher City held steady from 13.68% as of March 31, 2011 to 13.17% as of March 31, 2012, resulting in a positive change of 3.69%.This indicates that the balance sheet and financial strength for First State Bank of Beecher City has held steady in recent periods. Deposit Growth In the past year, First State Bank of Beecher City has increased its total deposits by $3.82 million, resulting in 7.12% 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 State Bank of Beecher City 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. First State Bank of Beecher City has $65.29 million in assets with $8.65 million in equity, resulting in a capitalization level of 13.24%, which is excellent.

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