Longview State Bank

Longview State Bank is headquartered in Sidney and is the 440^th largest bank in the state of Illinois. It is also the 6,036^th largest bank in the nation. It was established in 1899 and as of March of 2012, it had grown to 20 employees at 4 locations. Longview State Bank's savings rates are 92% higher than the national average, and it has a 3-star health rating.

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Data for Q1 2012

Institution Statistics Longview State Bank FDIC Certificate # 1786 BankRate Report View Year Established 1899 Employees 20 Primary Regulator FDIC Assets and Liabilities Assets $61.38 million Loans $43.37 million Deposits $55.72 million Equity Capital $5.50 million Loan Loss Allowance $490,000 Unbacked Noncurrent Loans $3.44 million Real Estate Owned $543,000 Historic Data - March 2011 Assets $61.18 million Equity Capital $5.20 million Loan Loss Allowance $554,000 Unbacked Noncurrent Loans $3.66 million Real Estate Owned $531,000 Profit Margin - Quarterly Net Interest Margin 3.62% Return on Assets 0.4% Return on Equity 4.31% Interest Income $601,000

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 Longview State Bank had $3.98 million in non-current loans and owned real-estate with $5.99 million in equity and loan loss allowances on hand to cover it. This gives Longview State Bank a Texas Ratio of 66.48% 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 Longview State Bank held steady from 68.89% as of March 31, 2011 to 66.48% as of March 31, 2012, resulting in a positive change of 3.49%.This indicates that the balance sheet and financial strength for Longview State Bank has held steady in recent periods. Deposit Growth In the past year, Longview State Bank has decreased its total deposits by $-95,000, resulting in -0.17% 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 Longview State 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. Longview State Bank has $61.38 million in assets with $5.99 million in equity, resulting in a capitalization level of 9.77%, which is average.

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