Carlinville National Bank

Carlinville National Bank is headquartered in Carlinville and is the 59^th largest bank in the state of Illinois. It is also the 964^th largest bank in the nation. It was established in 1888 and as of September of 2011, it had grown to 180 employees at 12 locations. Carlinville National Bank has a 4-star health rating.

Data for Q3 2011

Institution Statistics CNB Bank and Trust, N.A. FDIC Certificate # 3775 BankRate Report View Year Established 1888 Employees 180 Primary Regulator OCC Assets and Liabilities Assets $681.42 million Loans $445.80 million Deposits $586.96 million Equity Capital $60.23 million Loan Loss Allowance $4.83 million Unbacked Noncurrent Loans $12.55 million Real Estate Owned $2.30 million Historic Data - September 2010 Assets $348.50 million Equity Capital $26.83 million Loan Loss Allowance $3.87 million Unbacked Noncurrent Loans $12.67 million Profit Margin - Quarterly Net Interest Margin 3.77% Return on Assets 0.68% Return on Equity 7.96% Interest Income $22.69 million

Institution Health Overall Score: 4 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 Carlinville National Bank had $14.85 million in non-current loans and owned real-estate with $65.06 million in equity and loan loss allowances on hand to cover it. This gives Carlinville National Bank a Texas Ratio of 22.83% 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 Carlinville National Bank decreased significantly from 41.29% as of September 30, 2010 to 22.83% as of September 30, 2011, resulting in a positive change of 44.72%.This indicates that the balance sheet and financial strength for Carlinville National Bank has improved significantly in recent periods. Deposit Growth In the past year, Carlinville National Bank has increased its total deposits by $285.14 million, resulting in 94.47% 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 Carlinville National 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. Carlinville National Bank has $681.42 million in assets with $65.06 million in equity, resulting in a capitalization level of 9.55%, which is average.

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