Southern Illinois Bank

Southern Illinois Bank is headquartered in Johnston City and is the 358^th largest bank in the state of Illinois. It is also the 5,152^nd largest bank in the nation. It was established in 1999 and as of March of 2012, it had grown to 24 employees at 4 locations. Southern Illinois Bank has a 5-star health rating.

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Data for Q1 2012

Institution Statistics Southern Illinois Bank FDIC Certificate # 35229 BankRate Report View Year Established 1999 Employees 24 Primary Regulator FDIC Assets and Liabilities Assets $92.44 million Loans $37.34 million Deposits $83.95 million Equity Capital $7.61 million Loan Loss Allowance $316,000 Unbacked Noncurrent Loans $305,000 Historic Data - March 2011 Assets $81.78 million Equity Capital $6.01 million Loan Loss Allowance $312,000 Unbacked Noncurrent Loans $147,000 Real Estate Owned $195,000 Profit Margin - Quarterly Net Interest Margin 3.27% Return on Assets 0.91% Return on Equity 11.07% Interest Income $838,000

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 Southern Illinois Bank had $305,000 in non-current loans and owned real-estate with $7.92 million in equity and loan loss allowances on hand to cover it. This gives Southern Illinois Bank a Texas Ratio of 3.85% 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 Southern Illinois Bank decreased slightly from 5.41% as of March 31, 2011 to 3.85% as of March 31, 2012, resulting in a positive change of 28.83%.This indicates that the balance sheet and financial strength for Southern Illinois Bank has improved slightly in recent periods. Deposit Growth In the past year, Southern Illinois Bank has increased its total deposits by $8.59 million, resulting in 11.4% 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 Southern Illinois 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. Southern Illinois Bank has $92.44 million in assets with $7.92 million in equity, resulting in a capitalization level of 8.57%, which is average.

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