Milford Building and Loan Association

Milford Building and Loan Association is headquartered in Milford and is the 538^th largest bank in the state of Illinois. It is also the 7,036^th largest bank in the nation. It was established in 1883 and as of March of 2012, it had grown to 3 employees at 1 location. Milford Building and Loan Association has a 3-star health rating.

Data for Q1 2012

Institution Statistics Milford Building and Loan Association OTS # 04853 FDIC Certificate # 30152 BankRate Report View Year Established 1883 Employees 3 Primary Regulator FDIC Assets and Liabilities Assets $26.48 million Loans $17.32 million Deposits $24.58 million Equity Capital $1.80 million Loan Loss Allowance $157,000 Unbacked Noncurrent Loans $190,000 Real Estate Owned $529,000 Historic Data - March 2011 Assets $24.86 million Equity Capital $1.66 million Loan Loss Allowance $143,000 Unbacked Noncurrent Loans $401,000 Profit Margin - Quarterly Net Interest Margin 3.1% Return on Assets 0.9% Return on Equity 13.35% Interest Income $267,000

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 Milford Building and Loan Association had $719,000 in non-current loans and owned real-estate with $1.95 million in equity and loan loss allowances on hand to cover it. This gives Milford Building and Loan Association a Texas Ratio of 36.80% 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 Milford Building and Loan Association increased slightly from 22.23% as of March 31, 2011 to 36.80% as of March 31, 2012, resulting in a negative change of 65.54%. This indicates that the balance sheet and financial strength for Milford Building and Loan Association has declined slightly in recent periods. Deposit Growth In the past year, Milford Building and Loan Association has increased its total deposits by $1.54 million, resulting in 6.69% 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 Milford Building and Loan Association has shown is excellent. 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. Milford Building and Loan Association has $26.48 million in assets with $1.95 million in equity, resulting in a capitalization level of 7.38%, which is below average.

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