Tempo Bank, A Federal Savings Bank

Tempo Bank, A Federal Savings Bank is headquartered in Trenton and is the 359^th largest bank in the state of Illinois. It is also the 5,158^th largest bank in the nation. It was established in 1889 and as of March of 2012, it had grown to 16 employees at 2 locations. Tempo Bank, A Federal Savings Bank has a 4-star health rating.

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Data for Q1 2012

Institution Statistics Tempo Bank, A Federal Savings Bank OTS # 05636 FDIC Certificate # 30615 BankRate Report View Year Established 1889 Employees 16 Primary Regulator OCC Assets and Liabilities Assets $92.26 million Loans $73.68 million Deposits $77.11 million Equity Capital $9.26 million Loan Loss Allowance $238,000 Unbacked Noncurrent Loans $1.19 million Real Estate Owned $1.25 million Historic Data - March 2011 Assets $96.33 million Equity Capital $9.06 million Loan Loss Allowance $233,000 Unbacked Noncurrent Loans $1.56 million Real Estate Owned $1.11 million Profit Margin - Quarterly Net Interest Margin 3.47% Return on Assets 0.03% Return on Equity 0.26% Interest Income $1.00 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 Tempo Bank, A Federal Savings Bank had $2.45 million in non-current loans and owned real-estate with $9.49 million in equity and loan loss allowances on hand to cover it. This gives Tempo Bank, A Federal Savings Bank a Texas Ratio of 25.77% 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 Tempo Bank, A Federal Savings Bank held steady from 28.67% as of March 31, 2011 to 25.77% as of March 31, 2012, resulting in a positive change of 10.09%.This indicates that the balance sheet and financial strength for Tempo Bank, A Federal Savings Bank has held steady in recent periods. Deposit Growth In the past year, Tempo Bank, A Federal Savings Bank has increased its total deposits by $1.86 million, resulting in 2.48% 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 Tempo Bank, A Federal Savings Bank 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. Tempo Bank, A Federal Savings Bank has $92.26 million in assets with $9.49 million in equity, resulting in a capitalization level of 10.29%, which is above average.

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