Savanna-Thomson State Bank

Savanna-Thomson State Bank is headquartered in Thomson and is the 370^th largest bank in the state of Illinois. It is also the 5,254^th largest bank in the nation. It was established in 1920 and as of March of 2012, it had grown to 23 employees at 3 locations. Savanna-Thomson State Bank has a 4-star health rating.

Data for Q1 2012

Institution Statistics Savanna-Thomson State Bank FDIC Certificate # 5753 BankRate Report View Year Established 1920 Employees 23 Primary Regulator FDIC Assets and Liabilities Assets $88.83 million Loans $62.24 million Deposits $77.23 million Equity Capital $10.45 million Loan Loss Allowance $213,000 Unbacked Noncurrent Loans $933,000 Real Estate Owned $1.07 million Historic Data - March 2011 Assets $75.61 million Equity Capital $9.66 million Loan Loss Allowance $229,000 Unbacked Noncurrent Loans $1.78 million Real Estate Owned $996,000 Profit Margin - Quarterly Net Interest Margin 3.87% Return on Assets 0.93% Return on Equity 7.82% Interest Income $929,000

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 Savanna-Thomson State Bank had $2 million in non-current loans and owned real-estate with $10.67 million in equity and loan loss allowances on hand to cover it. This gives Savanna-Thomson State Bank a Texas Ratio of 18.79% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Savanna-Thomson State Bank decreased slightly from 28.09% as of March 31, 2011 to 18.79% as of March 31, 2012, resulting in a positive change of 33.11%.This indicates that the balance sheet and financial strength for Savanna-Thomson State Bank has improved slightly in recent periods. Deposit Growth In the past year, Savanna-Thomson State Bank has increased its total deposits by $11.88 million, resulting in 18.18% 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 Savanna-Thomson State 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. Savanna-Thomson State Bank has $88.83 million in assets with $10.67 million in equity, resulting in a capitalization level of 12.01%, which is excellent.

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