Prairie State Bank and Trust

Prairie State Bank and Trust is headquartered in Mount Zion and is the 61^st largest bank in the state of Illinois. It is also the 987^th largest bank in the nation. It was established in 1988 and as of March of 2012, it had grown to 164 employees at 21 locations. Prairie State Bank and Trust has a 5-star health rating.

Prairie State Bank and Trust CD Rates

Data for Q1 2012

Institution Statistics Prairie State Bank and Trust FDIC Certificate # 27362 BankRate Report View Year Established 1988 Employees 164 Primary Regulator FDIC Assets and Liabilities Assets $669.05 million Loans $441.69 million Deposits $592.40 million Equity Capital $62.16 million Loan Loss Allowance $4.52 million Unbacked Noncurrent Loans $2.49 million Real Estate Owned $159,000 Historic Data - March 2011 Assets $564.45 million Equity Capital $49.79 million Loan Loss Allowance $3.82 million Unbacked Noncurrent Loans $5.21 million Real Estate Owned $266,000 Profit Margin - Quarterly Net Interest Margin 3.69% Return on Assets 2.27% Return on Equity 23.95% Interest Income $6.75 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 Prairie State Bank and Trust had $2.65 million in non-current loans and owned real-estate with $66.68 million in equity and loan loss allowances on hand to cover it. This gives Prairie State Bank and Trust a Texas Ratio of 3.97% 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 Prairie State Bank and Trust decreased significantly from 10.22% as of March 31, 2011 to 3.97% as of March 31, 2012, resulting in a positive change of 61.13%.This indicates that the balance sheet and financial strength for Prairie State Bank and Trust has improved significantly in recent periods. Deposit Growth In the past year, Prairie State Bank and Trust has increased its total deposits by $90.66 million, resulting in 18.07% 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 Prairie State Bank and Trust 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. Prairie State Bank and Trust has $669.05 million in assets with $66.68 million in equity, resulting in a capitalization level of 9.97%, which is average.

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