Petefish, Skiles & Co.

Petefish, Skiles & Co. is headquartered in Virginia and is the 227^th largest bank in the state of Illinois. It is also the 3,306^th largest bank in the nation. It was established in 1870 and as of March of 2012, it had grown to 36 employees at 4 locations. Petefish, Skiles & Co.'s savings rates are 3X the national average, and it boasts a 5-star health rating.

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Data for Q1 2012

Institution Statistics Petefish, Skiles & Co. FDIC Certificate # 10829 BankRate Report View Year Established 1870 Employees 36 Primary Regulator FDIC Assets and Liabilities Assets $185.72 million Loans $95.18 million Deposits $158.39 million Equity Capital $22.50 million Loan Loss Allowance $1.13 million Unbacked Noncurrent Loans $1.33 million Real Estate Owned $15,000 Historic Data - March 2011 Assets $174.68 million Equity Capital $18.38 million Loan Loss Allowance $1.17 million Unbacked Noncurrent Loans $3.62 million Real Estate Owned $220,000 Profit Margin - Quarterly Net Interest Margin 3.84% Return on Assets 0.88% Return on Equity 7.19% Interest Income $1.90 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 Petefish, Skiles & Co. had $1.34 million in non-current loans and owned real-estate with $23.63 million in equity and loan loss allowances on hand to cover it. This gives Petefish, Skiles & Co. a Texas Ratio of 5.69% 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 Petefish, Skiles & Co. decreased significantly from 19.66% as of March 31, 2011 to 5.69% as of March 31, 2012, resulting in a positive change of 71.05%.This indicates that the balance sheet and financial strength for Petefish, Skiles & Co. has improved significantly in recent periods. Deposit Growth In the past year, Petefish, Skiles & Co. has increased its total deposits by $6.22 million, resulting in 4.08% 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 Petefish, Skiles & Co. 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. Petefish, Skiles & Co. has $185.72 million in assets with $23.63 million in equity, resulting in a capitalization level of 12.72%, which is excellent.