Legence Bank

Legence Bank is headquartered in Eldorado and is the 178^th largest bank in the state of Illinois. It is also the 2,653^rd largest bank in the nation. It was established in 1906 and as of March of 2012, it had grown to 81 employees at 6 locations. Legence Bank's savings rates are 44% higher than the national average, and it boasts a 5-star health rating.

Legence Bank Routing Number: 081204867

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Data for Q1 2012

Institution Statistics Legence Bank FDIC Certificate # 10886 BankRate Report View Year Established 1906 Employees 81 Primary Regulator FDIC Assets and Liabilities Assets $242.82 million Loans $119.36 million Deposits $203.20 million Equity Capital $28.96 million Loan Loss Allowance $1.49 million Unbacked Noncurrent Loans $433,000 Real Estate Owned $1.48 million Historic Data - March 2011 Assets $227.33 million Equity Capital $22.56 million Loan Loss Allowance $1.71 million Unbacked Noncurrent Loans $4.07 million Real Estate Owned $1.08 million Profit Margin - Quarterly Net Interest Margin 5.41% Return on Assets 2.09% Return on Equity 17.23% Interest Income $3.16 million

Institution Health Overall Score: 5 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 Legence Bank had $1.91 million in non-current loans and owned real-estate with $30.46 million in equity and loan loss allowances on hand to cover it. This gives Legence Bank a Texas Ratio of 6.27% 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 Legence Bank decreased significantly from 22.16% as of March 31, 2011 to 6.27% as of March 31, 2012, resulting in a positive change of 71.69%.This indicates that the balance sheet and financial strength for Legence Bank has improved significantly in recent periods. Deposit Growth In the past year, Legence Bank has increased its total deposits by $7.26 million, resulting in 3.7% 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 Legence 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. Legence Bank has $242.82 million in assets with $30.46 million in equity, resulting in a capitalization level of 12.54%, which is excellent.

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