Premier Bank of Jacksonville

Premier Bank of Jacksonville is headquartered in Jacksonville and is the 183^rd largest bank in the state of Illinois. It is also the 2,734^th largest bank in the nation. It was established in 1873 and as of March of 2012, it had grown to 43 employees at 4 locations. Premier Bank of Jacksonville has a 4-star health rating.

Premier Bank of Jacksonville Routing Number: 081226298

Data for Q1 2012

Institution Statistics Premier Bank of Jacksonville FDIC Certificate # 10868 BankRate Report View Year Established 1873 Employees 43 Primary Regulator FED Assets and Liabilities Assets $234.63 million Loans $147.27 million Deposits $207.44 million Equity Capital $17.17 million Loan Loss Allowance $2.53 million Unbacked Noncurrent Loans $2.67 million Real Estate Owned $75,000 Historic Data - March 2011 Assets $164.35 million Equity Capital $13.52 million Loan Loss Allowance $1.59 million Unbacked Noncurrent Loans $610,000 Profit Margin - Quarterly Net Interest Margin 3.85% Return on Assets 1.08% Return on Equity 14.7% Interest Income $2.78 million

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 Premier Bank of Jacksonville had $2.75 million in non-current loans and owned real-estate with $19.7 million in equity and loan loss allowances on hand to cover it. This gives Premier Bank of Jacksonville a Texas Ratio of 13.94% 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 Premier Bank of Jacksonville increased slightly from 4.04% as of March 31, 2011 to 13.94% as of March 31, 2012, resulting in a negative change of 245.47%. This indicates that the balance sheet and financial strength for Premier Bank of Jacksonville has declined slightly in recent periods. Deposit Growth In the past year, Premier Bank of Jacksonville has increased its total deposits by $65.59 million, resulting in 46.24% 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 Premier Bank of Jacksonville 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. Premier Bank of Jacksonville has $234.62 million in assets with $19.7 million in equity, resulting in a capitalization level of 8.40%, which is average.

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