Institution Statistics
| FDIC Certificate # | 10829 | | BankRate Report | View | | Year Established | 1870 | | Employees | 42 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $161.71 million | | Loans | $96.68 million | | Deposits | $143.97 million | | Equity Capital | $17.30 million | | Loan Loss Allowance | $1.14 million | | Unbacked Noncurrent Loans | $1.07 million | | Real Estate Owned | $124,000 |
Historic Data - March 2009 | | Assets | $160.47 million | | Equity Capital | $17.39 million | | Loan Loss Allowance | $1.14 million | | Unbacked Noncurrent Loans | $3.04 million | | Real Estate Owned | $55,000 |
Profit Margin - Quarterly | | Net Interest Margin | 4.07% | | Return on Assets | -1.19% | | Return on Equity | -11.09% | | Interest Income | $2.06 million |
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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, 2010 Illini Bank had $1.19 million in non-current loans and owned real-estate with $18.44 million in equity and loan loss allowances on hand to cover it. This gives Illini Bank a Texas Ratio of 6.47% 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 Illini Bank decreased significantly from 16.67% as of March 31, 2009 to 6.47% as of March 31, 2010, resulting in a positive change of 61.17%.This indicates that the balance sheet and financial strength for Illini Bank has improved significantly in recent periods. | | Deposit Growth |  | | In the past year, Illini Bank has increased it's total deposits by $1.42 million, resulting in 1% 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 Illini Bank has shown is 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. Illini Bank has $161.71 million in assets with $18.44 million in equity, resulting in a capitalization level of 11.40%, which is average. |
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