State Bank of Paw Paw, Illinois

State Bank of Paw Paw, Illinois is headquartered in Paw Paw and is the 543^rd largest bank in the state of Illinois. It is also the 7,078^th largest bank in the nation. It was established in 1901 and as of March of 2012, it had grown to 9 employees at 1 location. State Bank of Paw Paw, Illinois has a 3-star health rating.

Data for Q1 2012

Institution Statistics State Bank of Paw Paw, Illinois FDIC Certificate # 11726 BankRate Report View Year Established 1901 Employees 9 Primary Regulator FDIC Assets and Liabilities Assets $24.88 million Loans $14.35 million Deposits $19.85 million Equity Capital $4.86 million Loan Loss Allowance $296,000 Unbacked Noncurrent Loans $1.75 million Real Estate Owned $1.56 million Historic Data - March 2011 Assets $23.13 million Equity Capital $5.01 million Loan Loss Allowance $549,000 Unbacked Noncurrent Loans $2.02 million Real Estate Owned $754,000 Profit Margin - Quarterly Net Interest Margin 4.28% Return on Assets -0.55% Return on Equity -2.96% Interest Income $260,000

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 Paw Paw, Illinois had $3.31 million in non-current loans and owned real-estate with $5.15 million in equity and loan loss allowances on hand to cover it. This gives State Bank of Paw Paw, Illinois a Texas Ratio of 64.26% 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 Paw Paw, Illinois increased slightly from 49.91% as of March 31, 2011 to 64.26% as of March 31, 2012, resulting in a negative change of 28.75%. This indicates that the balance sheet and financial strength for State Bank of Paw Paw, Illinois has declined slightly in recent periods. Deposit Growth In the past year, State Bank of Paw Paw, Illinois has increased its total deposits by $1.81 million, resulting in 10.01% 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 Paw Paw, Illinois 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. State Bank of Paw Paw, Illinois has $24.88 million in assets with $5.15 million in equity, resulting in a capitalization level of 20.72%, which is excellent.

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