State Bank of Chrisman

State Bank of Chrisman is headquartered in Chrisman and is the 398^th largest bank in the state of Illinois. It is also the 5,566^th largest bank in the nation. It was established in 1891 and as of March of 2012, it had grown to 24 employees at 2 locations. State Bank of Chrisman's savings rates are 35% higher than the national average, and it has a 3-star health rating.

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Data for Q1 2012

Institution Statistics State Bank of Chrisman FDIC Certificate # 16479 BankRate Report View Year Established 1891 Employees 24 Primary Regulator FDIC Assets and Liabilities Assets $77.30 million Loans $48.62 million Deposits $71.10 million Equity Capital $5.93 million Loan Loss Allowance $490,000 Unbacked Noncurrent Loans $2.41 million Real Estate Owned $339,000 Historic Data - March 2011 Assets $73.98 million Equity Capital $5.56 million Loan Loss Allowance $519,000 Unbacked Noncurrent Loans $2.50 million Real Estate Owned $425,000 Profit Margin - Quarterly Net Interest Margin 3.95% Return on Assets 0.85% Return on Equity 10.8% Interest Income $793,000

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 State Bank of Chrisman had $2.75 million in non-current loans and owned real-estate with $6.42 million in equity and loan loss allowances on hand to cover it. This gives State Bank of Chrisman a Texas Ratio of 42.78% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for State Bank of Chrisman held steady from 48.11% as of March 31, 2011 to 42.78% as of March 31, 2012, resulting in a positive change of 11.07%.This indicates that the balance sheet and financial strength for State Bank of Chrisman has held steady in recent periods. Deposit Growth In the past year, State Bank of Chrisman has increased its total deposits by $2.87 million, resulting in 4.21% 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 State Bank of Chrisman has shown is above 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. State Bank of Chrisman has $77.3 million in assets with $6.42 million in equity, resulting in a capitalization level of 8.31%, which is average.

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