State Bank of Prairie du Rocher

State Bank of Prairie du Rocher is headquartered in Prairie Du Roche and is the 434^th largest bank in the state of Illinois. It is also the 5,947^th largest bank in the nation. It was established in 1906 and as of March of 2012, it had grown to 15 employees at 2 locations. State Bank of Prairie du Rocher's savings rates are 3X the national average, and it boasts a 5-star health rating.

State Bank of Prairie du Rocher Checking Account Rates

State Bank of Prairie du Rocher Savings Account Rates

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State Bank of Prairie du Rocher IRA Rates

Data for Q1 2012

Institution Statistics State Bank of Prairie du Rocher FDIC Certificate # 12117 BankRate Report View Year Established 1906 Employees 15 Primary Regulator FDIC Assets and Liabilities Assets $64.45 million Loans $36.43 million Deposits $59.26 million Equity Capital $4.70 million Loan Loss Allowance $220,000 Unbacked Noncurrent Loans $10,000 Real Estate Owned $119,000 Historic Data - March 2011 Assets $58.44 million Equity Capital $4.35 million Loan Loss Allowance $256,000 Unbacked Noncurrent Loans $229,000 Profit Margin - Quarterly Net Interest Margin 3.09% Return on Assets 0.81% Return on Equity 10.86% Interest Income $645,000

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 State Bank of Prairie du Rocher had $129,000 in non-current loans and owned real-estate with $4.92 million in equity and loan loss allowances on hand to cover it. This gives State Bank of Prairie du Rocher a Texas Ratio of 2.62% 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 State Bank of Prairie du Rocher decreased significantly from 4.97% as of March 31, 2011 to 2.62% as of March 31, 2012, resulting in a positive change of 47.24%.This indicates that the balance sheet and financial strength for State Bank of Prairie du Rocher has improved significantly in recent periods. Deposit Growth In the past year, State Bank of Prairie du Rocher has increased its total deposits by $5.57 million, resulting in 10.37% 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 Prairie du Rocher 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 Prairie du Rocher has $64.45 million in assets with $4.92 million in equity, resulting in a capitalization level of 7.63%, which is below average.

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