Community National Bank in Monmouth

Community National Bank in Monmouth is headquartered in Monmouth and is the 455^th largest bank in the state of Illinois. It is also the 6,204^th largest bank in the nation. It was established in 1964 and as of March of 2012, it had grown to 18 employees at 1 location. Community National Bank in Monmouth has a 5-star health rating.

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Data for Q1 2012

Institution Statistics Community National Bank in Monmouth FDIC Certificate # 19230 BankRate Report View Year Established 1964 Employees 18 Primary Regulator OCC Assets and Liabilities Assets $55.36 million Loans $20.68 million Deposits $48.15 million Equity Capital $6.59 million Loan Loss Allowance $239,000 Unbacked Noncurrent Loans $86,000 Real Estate Owned $74,000 Historic Data - March 2011 Assets $50.22 million Equity Capital $6.30 million Loan Loss Allowance $171,000 Unbacked Noncurrent Loans $166,000 Profit Margin - Quarterly Net Interest Margin 2.76% Return on Assets 0.42% Return on Equity 3.54% Interest Income $460,000

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 March 31, 2012 Community National Bank in Monmouth had $160,000 in non-current loans and owned real-estate with $6.83 million in equity and loan loss allowances on hand to cover it. This gives Community National Bank in Monmouth a Texas Ratio of 2.34% 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 Community National Bank in Monmouth held steady from 2.57% as of March 31, 2011 to 2.34% as of March 31, 2012, resulting in a positive change of 8.67%.This indicates that the balance sheet and financial strength for Community National Bank in Monmouth has held steady in recent periods. Deposit Growth In the past year, Community National Bank in Monmouth has increased its total deposits by $4.95 million, resulting in 11.46% 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 Community National Bank in Monmouth 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. Community National Bank in Monmouth has $55.36 million in assets with $6.83 million in equity, resulting in a capitalization level of 12.33%, which is excellent.

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