BankChampaign, National Association

BankChampaign, National Association is headquartered in Champaign and is the 204^th largest bank in the state of Illinois. It is also the 2,985^th largest bank in the nation. It was established in 1977 and as of December of 2011, it had grown to 45 employees at 3 locations. BankChampaign, National Association has a 3-star health rating.

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Data for Q4 2011

Institution Statistics BankChampaign, National Association FDIC Certificate # 22434 BankRate Report View Year Established 1977 Employees 45 Primary Regulator OCC Assets and Liabilities Assets $208.61 million Loans $144.87 million Deposits $165.67 million Equity Capital $15.49 million Loan Loss Allowance $1.85 million Unbacked Noncurrent Loans $1.32 million Real Estate Owned $2.06 million Historic Data - December 2010 Assets $203.37 million Equity Capital $14.30 million Loan Loss Allowance $1.70 million Unbacked Noncurrent Loans $1.29 million Real Estate Owned $899,000 Profit Margin - Quarterly Net Interest Margin 3.63% Return on Assets 1% Return on Equity 13.82% Interest Income $9.99 million

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 December 31, 2011 BankChampaign, National Association had $3.38 million in non-current loans and owned real-estate with $17.34 million in equity and loan loss allowances on hand to cover it. This gives BankChampaign, National Association a Texas Ratio of 19.51% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for BankChampaign, National Association increased slightly from 13.70% as of December 31, 2010 to 19.51% as of December 31, 2011, resulting in a negative change of 42.44%. This indicates that the balance sheet and financial strength for BankChampaign, National Association has declined slightly in recent periods. Deposit Growth In the past year, BankChampaign, National Association has increased its total deposits by $3.96 million, resulting in 2.45% 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 BankChampaign, National Association 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. BankChampaign, National Association has $208.61 million in assets with $17.34 million in equity, resulting in a capitalization level of 8.31%, which is average.

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