Stillman BancCorp N.A.

Stillman BancCorp N.A. is headquartered in Stillman Valley and is the 98^th largest bank in the state of Illinois. It is also the 1,585^th largest bank in the nation. It was established in 1882 and as of March of 2012, it had grown to 104 employees at 6 locations. Stillman BancCorp N.A. has a 4-star health rating.

Stillman BancCorp N.A. Routing Number: 071926663

Data for Q1 2012

Institution Statistics Stillman BancCorp N.A. FDIC Certificate # 9263 BankRate Report View Year Established 1882 Employees 104 Primary Regulator OCC Assets and Liabilities Assets $421.79 million Loans $148.87 million Deposits $355.81 million Equity Capital $42.78 million Loan Loss Allowance $2.10 million Unbacked Noncurrent Loans $9.23 million Real Estate Owned $3.91 million Historic Data - March 2011 Assets $396.86 million Equity Capital $38.43 million Loan Loss Allowance $2.04 million Unbacked Noncurrent Loans $2.63 million Real Estate Owned $1.64 million Profit Margin - Quarterly Net Interest Margin 2.37% Return on Assets 0.88% Return on Equity 8.64% Interest Income $3.10 million

Institution Health Overall Score: 4 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 Stillman BancCorp N.A. had $13.14 million in non-current loans and owned real-estate with $44.87 million in equity and loan loss allowances on hand to cover it. This gives Stillman BancCorp N.A. a Texas Ratio of 29.27% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Stillman BancCorp N.A. increased slightly from 10.54% as of March 31, 2011 to 29.27% as of March 31, 2012, resulting in a negative change of 177.74%. This indicates that the balance sheet and financial strength for Stillman BancCorp N.A. has declined slightly in recent periods. Deposit Growth In the past year, Stillman BancCorp N.A. has increased its total deposits by $17.64 million, resulting in 5.22% 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 Stillman BancCorp N.A. 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. Stillman BancCorp N.A. has $421.79 million in assets with $44.87 million in equity, resulting in a capitalization level of 10.64%, which is above average.

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