Flora Bank and Trust

Flora Bank and Trust is headquartered in Flora and is the 423^rd largest bank in the state of Illinois. It is also the 5,820^th largest bank in the nation. It was established in 1978 and as of March of 2012, it had grown to 24 employees at 4 locations. Flora Bank and Trust has a 4-star health rating.

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Data for Q1 2012

Institution Statistics Flora Bank & Trust FDIC Certificate # 22598 BankRate Report View Year Established 1978 Employees 24 Primary Regulator FED Assets and Liabilities Assets $68.34 million Loans $35.02 million Deposits $61.70 million Equity Capital $6.47 million Loan Loss Allowance $183,000 Unbacked Noncurrent Loans $123,000 Historic Data - March 2011 Assets $69.69 million Equity Capital $6.13 million Loan Loss Allowance $544,000 Unbacked Noncurrent Loans $737,000 Profit Margin - Quarterly Net Interest Margin 3.11% Return on Assets 0.57% Return on Equity 5.96% Interest Income $596,000

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 Flora Bank and Trust had $123,000 in non-current loans and owned real-estate with $6.65 million in equity and loan loss allowances on hand to cover it. This gives Flora Bank and Trust a Texas Ratio of 1.85% 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 Flora Bank and Trust decreased significantly from 11.04% as of March 31, 2011 to 1.85% as of March 31, 2012, resulting in a positive change of 83.24%.This indicates that the balance sheet and financial strength for Flora Bank and Trust has improved significantly in recent periods. Deposit Growth In the past year, Flora Bank and Trust has decreased its total deposits by -$1.7 million, resulting in -2.68% 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 Flora Bank and Trust has shown is below 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. Flora Bank and Trust has $68.34 million in assets with $6.65 million in equity, resulting in a capitalization level of 9.73%, which is average.

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