Kent Bank

Kent Bank is headquartered in Kent and is the 365^th largest bank in the state of Illinois. It is also the 5,215^st largest bank in the nation. It was established in 1923 and as of March of 2012, it had grown to 21 employees at 2 locations. Kent Bank's savings rates are 100% higher than the national average, and it has a 3-star health rating.

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Data for Q1 2012

Institution Statistics Kent Bank FDIC Certificate # 12704 BankRate Report View Year Established 1923 Employees 21 Primary Regulator FDIC Assets and Liabilities Assets $90.30 million Loans $45.36 million Deposits $79.01 million Equity Capital $9.84 million Loan Loss Allowance $571,000 Unbacked Noncurrent Loans $1.51 million Real Estate Owned $3.25 million Historic Data - March 2011 Assets $88.06 million Equity Capital $9.43 million Loan Loss Allowance $668,000 Unbacked Noncurrent Loans $4.65 million Real Estate Owned $163,000 Profit Margin - Quarterly Net Interest Margin 3.48% Return on Assets 0.63% Return on Equity 5.75% Interest Income $879,000

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 Kent Bank had $4.76 million in non-current loans and owned real-estate with $10.41 million in equity and loan loss allowances on hand to cover it. This gives Kent Bank a Texas Ratio of 45.77% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Kent Bank held steady from 47.62% as of March 31, 2011 to 45.77% as of March 31, 2012, resulting in a positive change of 3.89%.This indicates that the balance sheet and financial strength for Kent Bank has held steady in recent periods. Deposit Growth In the past year, Kent Bank has increased its total deposits by $1.82 million, resulting in 2.36% 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 Kent 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. Kent Bank has $90.3 million in assets with $10.41 million in equity, resulting in a capitalization level of 11.53%, which is above average.

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