Tompkins State Bank

Tompkins State Bank is headquartered in Avon and is the 222^nd largest bank in the state of Illinois. It is also the 3,223^rd largest bank in the nation. It was established in 1913 and as of March of 2012, it had grown to 58 employees at 4 locations. Tompkins State Bank has a 5-star health rating.

Data for Q1 2012

Institution Statistics Tompkins State Bank FDIC Certificate # 10849 BankRate Report View Year Established 1913 Employees 58 Primary Regulator FDIC Assets and Liabilities Assets $192.61 million Loans $98.10 million Deposits $160.91 million Equity Capital $19.48 million Loan Loss Allowance $1.18 million Unbacked Noncurrent Loans $654,000 Historic Data - March 2011 Assets $178.94 million Equity Capital $19.21 million Loan Loss Allowance $1.28 million Unbacked Noncurrent Loans $1.17 million Real Estate Owned $175,000 Profit Margin - Quarterly Net Interest Margin 3.67% Return on Assets 0.83% Return on Equity 8.06% Interest Income $1.89 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 Tompkins State Bank had $654,000 in non-current loans and owned real-estate with $20.65 million in equity and loan loss allowances on hand to cover it. This gives Tompkins State Bank a Texas Ratio of 3.17% 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 Tompkins State Bank decreased significantly from 6.55% as of March 31, 2011 to 3.17% as of March 31, 2012, resulting in a positive change of 51.66%.This indicates that the balance sheet and financial strength for Tompkins State Bank has improved significantly in recent periods. Deposit Growth In the past year, Tompkins State Bank has increased its total deposits by $13.09 million, resulting in 8.86% 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 Tompkins 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. Tompkins State Bank has $192.61 million in assets with $20.65 million in equity, resulting in a capitalization level of 10.72%, which is above average.

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