Vermont State Bank

Vermont State Bank is headquartered in Vermont and is the 566^th largest bank in the state of Illinois. It is also the 7,241^st largest bank in the nation. It was established in 1947 and as of March of 2012, it had grown to 6 employees at 1 location. Vermont State Bank has a 3-star health rating.

Data for Q1 2012

Institution Statistics Vermont State Bank FDIC Certificate # 16585 BankRate Report View Year Established 1947 Employees 6 Primary Regulator FDIC Assets and Liabilities Assets $14.94 million Loans $10.07 million Deposits $13.47 million Equity Capital $1.43 million Loan Loss Allowance $312,000 Unbacked Noncurrent Loans $1.05 million Real Estate Owned $99,000 Historic Data - March 2011 Assets $14.66 million Equity Capital $1.37 million Loan Loss Allowance $313,000 Unbacked Noncurrent Loans $502,000 Real Estate Owned $25,000 Profit Margin - Quarterly Net Interest Margin 5.62% Return on Assets -0.44% Return on Equity -4.39% Interest Income $232,000

Institution Health Overall Score: 3 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 Vermont State Bank had $1.14 million in non-current loans and owned real-estate with $1.74 million in equity and loan loss allowances on hand to cover it. This gives Vermont State Bank a Texas Ratio of 65.71% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Vermont State Bank increased slightly from 31.24% as of March 31, 2011 to 65.71% as of March 31, 2012, resulting in a negative change of 110.34%. This indicates that the balance sheet and financial strength for Vermont State Bank has declined slightly in recent periods. Deposit Growth In the past year, Vermont State Bank has increased its total deposits by $231,000, resulting in 1.74% 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 Vermont 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. Vermont State Bank has $14.94 million in assets with $1.74 million in equity, resulting in a capitalization level of 11.66%, which is above average.

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