Teutopolis State Bank

106 East Main Street
Teutopolis, IL 62467
217.857.3166
www.teutopolisstatebank.com

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Teutopolis State Bank is headquartered in Teutopolis and is the 221^st largest bank in the state of Illinois. It is also the 3,218^st largest bank in the nation. It was established in 1905 and as of March of 2012, it had grown to 33 employees at 2 locations. Teutopolis State Bank's savings rates are 2X the national average, and it boasts a 5-star health rating.

Teutopolis State Bank (Illinois) 3.51%RCA $15K Cap Local Only (Forum) - 5/13/2012

The bank offers a Kasasa Cash account paying 3.51% on balances up to $15K. Following are the requirements: Have at least 12 debit card purchases post and clear Have at least one ACH debit post to and clear your account Receive monthly e-statemen

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See Rates for: Checking | Savings | Money Market | CD

Teutopolis State Bank Checking Account Rates

Apy	Min	Max	Product
3.51%	-	$15k	Kasasa Cash - Qualifying
0.10%	$1k	-	Now Account
0.10%	$100	-	Gold Checking
0.10%	$100	-	Silver Checking
0.01%	-	-	Kasasa Cash - Non Qualifying

Teutopolis State Bank Savings Account Rates

Apy	Min	Max	Product
1.25%	-	$10k	Kasasa Saver - Qualifying
1.05%	$500	-	IRA
0.75%	$500	-	Health Savings Account
0.25%	$100	-	Gold Premium
0.25%	$100	-	Silver Premium
0.25%	$100	-	Savings Account
0.01%	-	-	Kasasa Saver - Non Qualifying

Teutopolis State Bank Money Market Rates

	Apy	Min	Max	Product
	0.65%	$100k	-	Money Market Advantage

Teutopolis State Bank CD Rates

Apy	Min	Max	Product
1.61%	$500	-	48 Month CD
1.25%	$500	-	36 Month CD
1.10%	$500	-	30 Month CD
1.00%	$500	-	24 Month CD
0.75%	$500	-	18 Month CD
0.75%	$500	-	21 Month CD
0.70%	$500	-	15 Month CD
0.65%	$500	-	12 Month CD
0.65%	$25	-	12 Month Sunny Day CD
0.65%	$500	-	11 Month CD
0.40%	$500	-	182 Day CD
0.40%	$500	-	8 Month CD
0.40%	$500	-	9 Month CD
0.25%	$500	-	31 Day CD
0.25%	$500	-	91 Day CD

Rates updated: 5/27/2012

Data for Q1 2012

Institution Statistics

Teutopolis State Bank
FDIC Certificate #	11708
BankRate Report	View
Year Established	1905
Employees	33
Primary Regulator	FED
Assets and Liabilities
Assets	$192.97 million
Loans	$87.02 million
Deposits	$168.81 million
Equity Capital	$23.62 million
Loan Loss Allowance	$914,000
Historic Data - March 2011
Assets	$184.72 million
Equity Capital	$22.80 million
Loan Loss Allowance	$913,000
Unbacked Noncurrent Loans	$6,000
Profit Margin - Quarterly
Net Interest Margin	2.45%
Return on Assets	0.78%
Return on Equity	6.38%
Interest Income	$1.41 million

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 Teutopolis State Bank had $0 in non-current loans and owned real-estate with $24.53 million in equity and loan loss allowances on hand to cover it. This gives Teutopolis State Bank a Texas Ratio of 0.00% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Deposit Growth
In the past year, Teutopolis State Bank has increased its total deposits by $7.53 million, resulting in 4.67% 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 Teutopolis State 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. Teutopolis State Bank has $192.97 million in assets with $24.53 million in equity, resulting in a capitalization level of 12.71%, which is excellent.

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Teutopolis State Bank

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