German-American State Bank

German-American State Bank is headquartered in German Valley and is the 216^st largest bank in the state of Illinois. It is also the 3,160^th largest bank in the nation. It was established in 1907 and as of March of 2012, it had grown to 37 employees at 4 locations. German-American State Bank has a 4-star health rating.

Data for Q1 2012

Institution Statistics German-American State Bank FDIC Certificate # 5749 BankRate Report View Year Established 1907 Employees 37 Primary Regulator FDIC Assets and Liabilities Assets $197.24 million Loans $138.17 million Deposits $174.32 million Equity Capital $18.26 million Loan Loss Allowance $2.90 million Unbacked Noncurrent Loans $2.96 million Real Estate Owned $190,000 Historic Data - March 2011 Assets $186.53 million Equity Capital $16.58 million Loan Loss Allowance $2.31 million Unbacked Noncurrent Loans $1.77 million Real Estate Owned $161,000 Profit Margin - Quarterly Net Interest Margin 3.8% Return on Assets 0.98% Return on Equity 10.59% Interest Income $2.29 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 March 31, 2012 German-American State Bank had $3.15 million in non-current loans and owned real-estate with $21.16 million in equity and loan loss allowances on hand to cover it. This gives German-American State Bank a Texas Ratio of 14.87% 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 German-American State Bank held steady from 10.23% as of March 31, 2011 to 14.87% as of March 31, 2012, resulting in a negative change of 45.29%. This indicates that the balance sheet and financial strength for German-American State Bank has held steady in recent periods. Deposit Growth In the past year, German-American State Bank has increased its total deposits by $9.74 million, resulting in 5.92% 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 German-American State Bank 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. German-American State Bank has $197.24 million in assets with $21.16 million in equity, resulting in a capitalization level of 10.73%, which is above average.

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