Goodfield State Bank

Goodfield State Bank is headquartered in Goodfield and is the 418^st largest bank in the state of Illinois. It is also the 5,778^th largest bank in the nation. It was established in 1920 and as of March of 2012, it had grown to 17 employees at 2 locations. Goodfield State Bank has a 4-star health rating.

Goodfield State Bank Routing Number: 071118659

Data for Q1 2012

Institution Statistics Goodfield State Bank FDIC Certificate # 11699 BankRate Report View Year Established 1920 Employees 17 Primary Regulator FDIC Assets and Liabilities Assets $69.64 million Loans $45.59 million Deposits $60.30 million Equity Capital $9.23 million Loan Loss Allowance $561,000 Unbacked Noncurrent Loans $1.20 million Real Estate Owned $472,000 Historic Data - March 2011 Assets $66.53 million Equity Capital $7.78 million Loan Loss Allowance $579,000 Unbacked Noncurrent Loans $7,000 Real Estate Owned $527,000 Profit Margin - Quarterly Net Interest Margin 4.85% Return on Assets 4.01% Return on Equity 30.4% Interest Income $900,000

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 Goodfield State Bank had $1.67 million in non-current loans and owned real-estate with $9.8 million in equity and loan loss allowances on hand to cover it. This gives Goodfield State Bank a Texas Ratio of 17.08% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Goodfield State Bank increased slightly from 6.39% as of March 31, 2011 to 17.08% as of March 31, 2012, resulting in a negative change of 167.40%. This indicates that the balance sheet and financial strength for Goodfield State Bank has declined slightly in recent periods. Deposit Growth In the past year, Goodfield State Bank has increased its total deposits by $2.5 million, resulting in 4.33% 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 Goodfield State 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. Goodfield State Bank has $69.64 million in assets with $9.8 million in equity, resulting in a capitalization level of 14.07%, which is excellent.

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