Carlinville National Bank

Carlinville National Bank is headquartered in Carlinville and is the 58^th largest bank in the state of Illinois. It is also the 936^th largest bank in the nation. It was established in 1888 and as of March of 2012, it had grown to 185 employees at 12 locations. Carlinville National Bank has a 4-star health rating.

Data for Q1 2012

Institution Statistics CNB Bank and Trust, N.A. FDIC Certificate # 3775 BankRate Report View Year Established 1888 Employees 185 Primary Regulator OCC Assets and Liabilities Assets $710.57 million Loans $443.63 million Deposits $610.49 million Equity Capital $62.12 million Loan Loss Allowance $5.70 million Unbacked Noncurrent Loans $5.65 million Real Estate Owned $2.48 million Historic Data - March 2011 Assets $391.16 million Equity Capital $28.63 million Loan Loss Allowance $3.29 million Unbacked Noncurrent Loans $10.07 million Profit Margin - Quarterly Net Interest Margin 3.85% Return on Assets 1.08% Return on Equity 12.23% Interest Income $7.62 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 March 31, 2012 Carlinville National Bank had $8.13 million in non-current loans and owned real-estate with $67.82 million in equity and loan loss allowances on hand to cover it. This gives Carlinville National Bank a Texas Ratio of 11.99% which is above 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 31.55% as of March 31, 2011 to 11.99% as of March 31, 2012, resulting in a positive change of 62.01%.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 $269.25 million, resulting in 78.9% 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 $710.57 million in assets with $67.82 million in equity, resulting in a capitalization level of 9.54%, which is average.

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