Philo Exchange Bank

Philo Exchange Bank is headquartered in Philo and is the 373^rd largest bank in the state of Illinois. It is also the 5,316^st largest bank in the nation. It was established in 1883 and as of March of 2012, it had grown to 15 employees at 4 locations. Philo Exchange Bank has a 4-star health rating.

Philo Exchange Bank Routing Number: 071110369

Data for Q1 2012

Institution Statistics Philo Exchange Bank FDIC Certificate # 5722 BankRate Report View Year Established 1883 Employees 15 Primary Regulator FDIC Assets and Liabilities Assets $86.34 million Loans $37.65 million Deposits $76.65 million Equity Capital $9.49 million Loan Loss Allowance $509,000 Unbacked Noncurrent Loans $821,000 Historic Data - March 2011 Assets $81.01 million Equity Capital $8.79 million Loan Loss Allowance $512,000 Unbacked Noncurrent Loans $728,000 Profit Margin - Quarterly Net Interest Margin 2.8% Return on Assets 0.94% Return on Equity 8.24% Interest Income $602,000

Institution Health Overall Score: 4 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 Philo Exchange Bank had $821,000 in non-current loans and owned real-estate with $10 million in equity and loan loss allowances on hand to cover it. This gives Philo Exchange Bank a Texas Ratio of 8.21% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Philo Exchange Bank held steady from 7.82% as of March 31, 2011 to 8.21% as of March 31, 2012, resulting in a negative change of 4.94%. This indicates that the balance sheet and financial strength for Philo Exchange Bank has held steady in recent periods. Deposit Growth In the past year, Philo Exchange Bank has increased its total deposits by $4.65 million, resulting in 6.46% 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 Philo Exchange Bank 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. Philo Exchange Bank has $86.34 million in assets with $10 million in equity, resulting in a capitalization level of 11.58%, which is above average.

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