Farmers National Bank of Griggsville

Farmers National Bank of Griggsville is headquartered in Griggsville and is the 435^th largest bank in the state of Illinois. It is also the 5,952^nd largest bank in the nation. It was established in 1943 and as of March of 2012, it had grown to 20 employees at 4 locations. Farmers National Bank of Griggsville has a 5-star health rating.

Data for Q1 2012

Institution Statistics Farmers National Bank of Griggsville FDIC Certificate # 15928 BankRate Report View Year Established 1943 Employees 20 Primary Regulator OCC Assets and Liabilities Assets $64.29 million Loans $36.60 million Deposits $58.54 million Equity Capital $5.52 million Loan Loss Allowance $435,000 Unbacked Noncurrent Loans $282,000 Historic Data - March 2011 Assets $53.48 million Equity Capital $4.77 million Loan Loss Allowance $579,000 Unbacked Noncurrent Loans $717,000 Real Estate Owned $45,000 Profit Margin - Quarterly Net Interest Margin 4.05% Return on Assets 1.25% Return on Equity 14.14% Interest Income $673,000

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 Farmers National Bank of Griggsville had $282,000 in non-current loans and owned real-estate with $5.95 million in equity and loan loss allowances on hand to cover it. This gives Farmers National Bank of Griggsville a Texas Ratio of 4.74% 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 Farmers National Bank of Griggsville decreased significantly from 14.24% as of March 31, 2011 to 4.74% as of March 31, 2012, resulting in a positive change of 66.73%.This indicates that the balance sheet and financial strength for Farmers National Bank of Griggsville has improved significantly in recent periods. Deposit Growth In the past year, Farmers National Bank of Griggsville has increased its total deposits by $10.03 million, resulting in 20.68% 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 Farmers National Bank of Griggsville 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. Farmers National Bank of Griggsville has $64.29 million in assets with $5.95 million in equity, resulting in a capitalization level of 9.26%, which is average.

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