Providence Bank, LLC

Providence Bank, LLC is headquartered in South Holland and is the 113^st largest bank in the state of Illinois. It is also the 1,740^th largest bank in the nation. It was established in 2004 and as of March of 2012, it had grown to 74 employees at 7 locations. Providence Bank, LLC has a 5-star health rating.

Data for Q1 2012

Institution Statistics Providence Bank, LLC FDIC Certificate # 57754 BankRate Report View Year Established 2004 Employees 74 Primary Regulator FDIC Assets and Liabilities Assets $381.71 million Loans $248.00 million Deposits $334.65 million Equity Capital $35.10 million Loan Loss Allowance $4.43 million Unbacked Noncurrent Loans $396,000 Real Estate Owned $706,000 Historic Data - March 2011 Assets $350.48 million Equity Capital $31.60 million Loan Loss Allowance $4.31 million Unbacked Noncurrent Loans $2.81 million Real Estate Owned $1.03 million Profit Margin - Quarterly Net Interest Margin 4.27% Return on Assets 1.05% Return on Equity 11.54% Interest Income $4.37 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 Providence Bank, LLC had $1.1 million in non-current loans and owned real-estate with $39.53 million in equity and loan loss allowances on hand to cover it. This gives Providence Bank, LLC a Texas Ratio of 2.79% 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 Providence Bank, LLC decreased significantly from 10.69% as of March 31, 2011 to 2.79% as of March 31, 2012, resulting in a positive change of 73.93%.This indicates that the balance sheet and financial strength for Providence Bank, LLC has improved significantly in recent periods. Deposit Growth In the past year, Providence Bank, LLC has increased its total deposits by $20.78 million, resulting in 6.62% 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 Providence Bank, LLC 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. Providence Bank, LLC has $381.71 million in assets with $39.53 million in equity, resulting in a capitalization level of 10.36%, which is above average.

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