Scott State Bank

Scott State Bank is headquartered in Bethany and is the 334^th largest bank in the state of Illinois. It is also the 4,907^th largest bank in the nation. It was established in 1887 and as of March of 2012, it had grown to 40 employees at 4 locations. Scott State Bank has a 5-star health rating.

Scott State Bank Routing Number: 071109228

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Data for Q1 2012

Institution Statistics Scott State Bank FDIC Certificate # 8491 BankRate Report View Year Established 1887 Employees 40 Primary Regulator FDIC Assets and Liabilities Assets $101.72 million Loans $37.33 million Deposits $85.80 million Equity Capital $15.05 million Loan Loss Allowance $540,000 Unbacked Noncurrent Loans $705,000 Real Estate Owned $510,000 Historic Data - March 2011 Assets $77.66 million Equity Capital $11.38 million Loan Loss Allowance $454,000 Unbacked Noncurrent Loans $792,000 Real Estate Owned $95,000 Profit Margin - Quarterly Net Interest Margin 3.52% Return on Assets 1.05% Return on Equity 6.85% Interest Income $874,000

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 Scott State Bank had $1.22 million in non-current loans and owned real-estate with $15.59 million in equity and loan loss allowances on hand to cover it. This gives Scott State Bank a Texas Ratio of 7.79% 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 Scott State Bank held steady from 7.50% as of March 31, 2011 to 7.79% as of March 31, 2012, resulting in a negative change of 3.97%. This indicates that the balance sheet and financial strength for Scott State Bank has held steady in recent periods. Deposit Growth In the past year, Scott State Bank has increased its total deposits by $20.24 million, resulting in 30.87% 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 Scott 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. Scott State Bank has $101.72 million in assets with $15.59 million in equity, resulting in a capitalization level of 15.32%, which is excellent.

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