The Gifford State Bank

The Gifford State Bank is headquartered in Gifford and is the 292^nd largest bank in the state of Illinois. It is also the 4,267^th largest bank in the nation. It was established in 1885 and as of March of 2012, it had grown to 30 employees at 3 locations. The Gifford State Bank has a 5-star health rating.

The Gifford State Bank Routing Number: 071113175

Data for Q1 2012

Institution Statistics The Gifford State Bank FDIC Certificate # 10467 BankRate Report View Year Established 1885 Employees 30 Primary Regulator FDIC Assets and Liabilities Assets $129.31 million Loans $72.92 million Deposits $118.12 million Equity Capital $10.45 million Loan Loss Allowance $864,000 Unbacked Noncurrent Loans $626,000 Real Estate Owned $101,000 Historic Data - March 2011 Assets $113.90 million Equity Capital $8.77 million Loan Loss Allowance $615,000 Unbacked Noncurrent Loans $548,000 Real Estate Owned $51,000 Profit Margin - Quarterly Net Interest Margin 3.6% Return on Assets 0.96% Return on Equity 11.32% Interest Income $1.21 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 Gifford State Bank had $727,000 in non-current loans and owned real-estate with $11.32 million in equity and loan loss allowances on hand to cover it. This gives The Gifford State Bank a Texas Ratio of 6.43% 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 The Gifford State Bank held steady from 6.38% as of March 31, 2011 to 6.43% as of March 31, 2012, resulting in a negative change of 0.71%. This indicates that the balance sheet and financial strength for The Gifford State Bank has held steady in recent periods. Deposit Growth In the past year, The Gifford State Bank has increased its total deposits by $13.86 million, resulting in 13.3% 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 Gifford State Bank 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 Gifford State Bank has $129.31 million in assets with $11.32 million in equity, resulting in a capitalization level of 8.75%, which is average.

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