Hickory Point Bank and Trust, FSB

Hickory Point Bank and Trust, FSB is headquartered in Decatur and is the 66^th largest bank in the state of Illinois. It is also the 1,072^nd largest bank in the nation. It was established in 1979 and as of March of 2012, it had grown to 128 employees at 7 locations. Hickory Point Bank and Trust, FSB has a 3-star health rating.

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Data for Q1 2012

Institution Statistics Hickory Point Bank and Trust, FSB OTS # 14792 FDIC Certificate # 22874 BankRate Report View Year Established 1979 Employees 128 Primary Regulator OCC Assets and Liabilities Assets $623.48 million Loans $272.87 million Deposits $530.65 million Equity Capital $55.77 million Loan Loss Allowance $2.35 million Unbacked Noncurrent Loans $4.25 million Real Estate Owned $443,000 Historic Data - March 2011 Assets $922.07 million Equity Capital $75.74 million Loan Loss Allowance $2.00 million Unbacked Noncurrent Loans $1.96 million Real Estate Owned $114,000 Profit Margin - Quarterly Net Interest Margin 2.78% Return on Assets 0.66% Return on Equity 7.45% Interest Income $5.01 million

Institution Health Overall Score: 3 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 Hickory Point Bank and Trust, FSB had $4.7 million in non-current loans and owned real-estate with $58.12 million in equity and loan loss allowances on hand to cover it. This gives Hickory Point Bank and Trust, FSB a Texas Ratio of 8.08% 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 Hickory Point Bank and Trust, FSB increased slightly from 2.66% as of March 31, 2011 to 8.08% as of March 31, 2012, resulting in a negative change of 203.46%. This indicates that the balance sheet and financial strength for Hickory Point Bank and Trust, FSB has declined slightly in recent periods. Deposit Growth In the past year, Hickory Point Bank and Trust, FSB has decreased its total deposits by -$50.56 million, resulting in -8.7% 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 Hickory Point Bank and Trust, FSB has shown is poor. 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. Hickory Point Bank and Trust, FSB has $623.48 million in assets with $58.12 million in equity, resulting in a capitalization level of 9.32%, which is average.

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