The Edgar County Bank and Trust Co., Paris, Illinois

The Edgar County Bank and Trust Co., Paris, Illinois is headquartered in Paris and is the 134^th largest bank in the state of Illinois. It is also the 2,029^th largest bank in the nation. It was established in 1873 and as of March of 2012, it had grown to 76 employees at 8 locations. The Edgar County Bank and Trust Co., Paris, Illinois' money market rates are 2X the national average, and it boasts a 5-star health rating.

The Edgar County Bank and Trust Co., Paris, Illinois Checking Account Rates

The Edgar County Bank and Trust Co., Paris, Illinois Savings Account Rates

The Edgar County Bank and Trust Co., Paris, Illinois Money Market Rates

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The Edgar County Bank and Trust Co., Paris, Illinois IRA Rates

Data for Q1 2012

Institution Statistics The Edgar County Bank and Trust Co., Paris, Illinois FDIC Certificate # 3722 BankRate Report View Year Established 1873 Employees 76 Primary Regulator FDIC Assets and Liabilities Assets $321.58 million Loans $212.04 million Deposits $260.57 million Equity Capital $32.34 million Loan Loss Allowance $2.25 million Unbacked Noncurrent Loans $3.00 million Real Estate Owned $1.88 million Historic Data - March 2011 Assets $293.81 million Equity Capital $27.21 million Loan Loss Allowance $2.11 million Unbacked Noncurrent Loans $3.84 million Real Estate Owned $1.95 million Profit Margin - Quarterly Net Interest Margin 4.17% Return on Assets 1.66% Return on Equity 16.49% Interest Income $3.37 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 The Edgar County Bank and Trust Co., Paris, Illinois had $4.87 million in non-current loans and owned real-estate with $34.58 million in equity and loan loss allowances on hand to cover it. This gives The Edgar County Bank and Trust Co., Paris, Illinois a Texas Ratio of 14.09% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for The Edgar County Bank and Trust Co., Paris, Illinois decreased slightly from 19.76% as of March 31, 2011 to 14.09% as of March 31, 2012, resulting in a positive change of 28.67%.This indicates that the balance sheet and financial strength for The Edgar County Bank and Trust Co., Paris, Illinois has improved slightly in recent periods. Deposit Growth In the past year, The Edgar County Bank and Trust Co., Paris, Illinois has increased its total deposits by $20.66 million, resulting in 8.61% 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 The Edgar County Bank and Trust Co., Paris, 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. The Edgar County Bank and Trust Co., Paris, Illinois has $321.58 million in assets with $34.58 million in equity, resulting in a capitalization level of 10.75%, which is above average.

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