Buena Vista National Bank

Buena Vista National Bank is headquartered in Chester and is the 287^th largest bank in the state of Illinois. It is also the 4,117^st largest bank in the nation. It was established in 1905 and as of September of 2011, it had grown to 45 employees at 5 locations. Buena Vista National Bank has a 5-star health rating.

Buena Vista National Bank Routing Number: 081905292

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Data for Q3 2011

Institution Statistics Buena Vista National Bank FDIC Certificate # 10844 BankRate Report View Year Established 1905 Employees 45 Primary Regulator OCC Assets and Liabilities Assets $135.11 million Loans $60.13 million Deposits $108.80 million Equity Capital $20.16 million Loan Loss Allowance $990,000 Unbacked Noncurrent Loans $654,000 Real Estate Owned $521,000 Historic Data - September 2010 Assets $137.24 million Equity Capital $19.28 million Loan Loss Allowance $909,000 Unbacked Noncurrent Loans $563,000 Real Estate Owned $427,000 Profit Margin - Quarterly Net Interest Margin 4.36% Return on Assets 1.28% Return on Equity 9% Interest Income $4.45 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 September 30, 2011 Buena Vista National Bank had $1.18 million in non-current loans and owned real-estate with $21.15 million in equity and loan loss allowances on hand to cover it. This gives Buena Vista National Bank a Texas Ratio of 5.56% 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 Buena Vista National Bank held steady from 4.90% as of September 30, 2010 to 5.56% as of September 30, 2011, resulting in a negative change of 13.33%. This indicates that the balance sheet and financial strength for Buena Vista National Bank has held steady in recent periods. Deposit Growth In the past year, Buena Vista National Bank has decreased its total deposits by -$3.59 million, resulting in -3.2% 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 Buena Vista National Bank has shown is below 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. Buena Vista National Bank has $135.11 million in assets with $21.15 million in equity, resulting in a capitalization level of 15.65%, which is excellent.

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