Freestar Bank

Freestar Bank is headquartered in Pontiac and is the 98^th largest bank in the state of Illinois. It is also the 1,619^st largest bank in the nation. It was established in 1934 and as of September of 2011, it had grown to 136 employees at 13 locations. Freestar Bank has a 4-star health rating.

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Data for Q3 2011

Institution Statistics Freestar Bank, National Association FDIC Certificate # 14736 BankRate Report View Year Established 1934 Employees 136 Primary Regulator OCC Assets and Liabilities Assets $406.34 million Loans $249.59 million Deposits $322.32 million Equity Capital $43.67 million Loan Loss Allowance $3.27 million Unbacked Noncurrent Loans $5.70 million Real Estate Owned $102,000 Historic Data - September 2010 Assets $418.33 million Equity Capital $42.44 million Loan Loss Allowance $3.18 million Unbacked Noncurrent Loans $2.23 million Real Estate Owned $124,000 Profit Margin - Quarterly Net Interest Margin 4.41% Return on Assets 1.3% Return on Equity 12.3% Interest Income $14.74 million

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 September 30, 2011 Freestar Bank had $5.8 million in non-current loans and owned real-estate with $46.94 million in equity and loan loss allowances on hand to cover it. This gives Freestar Bank a Texas Ratio of 12.36% 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 Freestar Bank increased slightly from 5.16% as of September 30, 2010 to 12.36% as of September 30, 2011, resulting in a negative change of 139.77%. This indicates that the balance sheet and financial strength for Freestar Bank has declined slightly in recent periods. Deposit Growth In the past year, Freestar Bank has increased its total deposits by $4.5 million, resulting in 1.42% 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 Freestar Bank 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. Freestar Bank has $406.34 million in assets with $46.94 million in equity, resulting in a capitalization level of 11.55%, which is above average.

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