Schuyler State Bank

Schuyler State Bank is headquartered in Rushville and is the 469^th largest bank in the state of Illinois. It is also the 6,322^nd largest bank in the nation. It was established in 1967 and as of March of 2012, it had grown to 16 employees at 2 locations. Schuyler State Bank has a 3-star health rating.

Schuyler State Bank Routing Number: 071108740

Data for Q1 2012

Institution Statistics Schuyler State Bank FDIC Certificate # 19710 BankRate Report View Year Established 1967 Employees 16 Primary Regulator FDIC Assets and Liabilities Assets $51.75 million Loans $31.66 million Deposits $46.68 million Equity Capital $4.97 million Loan Loss Allowance $344,000 Unbacked Noncurrent Loans $803,000 Historic Data - March 2011 Assets $51.83 million Equity Capital $4.95 million Loan Loss Allowance $347,000 Unbacked Noncurrent Loans $567,000 Profit Margin - Quarterly Net Interest Margin 3.49% Return on Assets 0.91% Return on Equity 9.36% Interest Income $519,000

Institution Health Overall Score: 3 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 Schuyler State Bank had $803,000 in non-current loans and owned real-estate with $5.31 million in equity and loan loss allowances on hand to cover it. This gives Schuyler State Bank a Texas Ratio of 15.12% 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 Schuyler State Bank held steady from 10.70% as of March 31, 2011 to 15.12% as of March 31, 2012, resulting in a negative change of 41.38%. This indicates that the balance sheet and financial strength for Schuyler State Bank has held steady in recent periods. Deposit Growth In the past year, Schuyler State Bank has decreased its total deposits by $-73,000, resulting in -0.16% 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 Schuyler State Bank has shown is average. 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. Schuyler State Bank has $51.75 million in assets with $5.31 million in equity, resulting in a capitalization level of 10.26%, which is above average.

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