Lincoln State Bank

Lincoln State Bank is headquartered in Rochelle and is the 477^th largest bank in the state of Illinois. It is also the 6,381^st largest bank in the nation. It was established in 1999 and as of March of 2012, it had grown to 18 employees at 1 location. Lincoln State Bank has a 3-star health rating.

Lincoln State Bank Routing Number: 071974440

Lincoln State Bank Checking Account Rates

Lincoln State Bank Savings Account Rates

Lincoln State Bank Money Market Rates

Lincoln State Bank CD Rates

Lincoln State Bank IRA Rates

Data for Q1 2012

Institution Statistics Lincoln State Bank, S.B. FDIC Certificate # 34856 BankRate Report View Year Established 1999 Employees 18 Primary Regulator FDIC Assets and Liabilities Assets $49.38 million Loans $29.66 million Deposits $45.03 million Equity Capital $4.16 million Loan Loss Allowance $491,000 Unbacked Noncurrent Loans $804,000 Real Estate Owned $330,000 Historic Data - March 2011 Assets $48.69 million Equity Capital $4.14 million Loan Loss Allowance $447,000 Unbacked Noncurrent Loans $388,000 Real Estate Owned $353,000 Profit Margin - Quarterly Net Interest Margin 3.66% Return on Assets 0.71% Return on Equity 8.26% Interest Income $494,000

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 Lincoln State Bank had $1.13 million in non-current loans and owned real-estate with $4.65 million in equity and loan loss allowances on hand to cover it. This gives Lincoln State Bank a Texas Ratio of 24.38% 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 Lincoln State Bank increased slightly from 16.15% as of March 31, 2011 to 24.38% as of March 31, 2012, resulting in a negative change of 50.96%. This indicates that the balance sheet and financial strength for Lincoln State Bank has declined slightly in recent periods. Deposit Growth In the past year, Lincoln State Bank has increased its total deposits by $663,000, resulting in 1.49% 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 Lincoln 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. Lincoln State Bank has $49.38 million in assets with $4.65 million in equity, resulting in a capitalization level of 9.42%, which is average.

No reviews have been left for this bank yet. Be the first to review.