Vermilion Valley Bank

Vermilion Valley Bank is headquartered in Piper City and is the 312^st largest bank in the state of Illinois. It is also the 4,561^st largest bank in the nation. It was established in 1913 and as of March of 2012, it had grown to 23 employees at 5 locations. Vermilion Valley Bank has a 5-star health rating.

Vermilion Valley Bank Routing Number: 071110000

Data for Q1 2012

Institution Statistics Vermilion Valley Bank FDIC Certificate # 11667 BankRate Report View Year Established 1913 Employees 23 Primary Regulator FDIC Assets and Liabilities Assets $115.63 million Loans $62.50 million Deposits $100.49 million Equity Capital $13.64 million Loan Loss Allowance $881,000 Unbacked Noncurrent Loans $434,000 Real Estate Owned $232,000 Historic Data - March 2011 Assets $102.09 million Equity Capital $12.10 million Loan Loss Allowance $858,000 Unbacked Noncurrent Loans $390,000 Real Estate Owned $304,000 Profit Margin - Quarterly Net Interest Margin 3.61% Return on Assets 1.96% Return on Equity 17.26% Interest Income $1.13 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 Vermilion Valley Bank had $666,000 in non-current loans and owned real-estate with $14.52 million in equity and loan loss allowances on hand to cover it. This gives Vermilion Valley Bank a Texas Ratio of 4.59% 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 Vermilion Valley Bank held steady from 5.36% as of March 31, 2011 to 4.59% as of March 31, 2012, resulting in a positive change of 14.41%.This indicates that the balance sheet and financial strength for Vermilion Valley Bank has held steady in recent periods. Deposit Growth In the past year, Vermilion Valley Bank has increased its total deposits by $10.76 million, resulting in 11.99% 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 Vermilion Valley 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. Vermilion Valley Bank has $115.63 million in assets with $14.52 million in equity, resulting in a capitalization level of 12.56%, which is excellent.

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