First National Bank in Staunton

First National Bank in Staunton is headquartered in Staunton and is the 84^th largest bank in the state of Illinois. It is also the 1,380^th largest bank in the nation. It was established in 1934 and as of March of 2012, it had grown to 132 employees at 10 locations. First National Bank in Staunton's money market rates are 14% higher than the national average, and it boasts a 5-star health rating.

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Data for Q1 2012

Institution Statistics The First National Bank in Staunton FDIC Certificate # 14924 BankRate Report View Year Established 1934 Employees 132 Primary Regulator OCC Assets and Liabilities Assets $491.38 million Loans $293.62 million Deposits $409.79 million Equity Capital $55.20 million Loan Loss Allowance $7.15 million Unbacked Noncurrent Loans $3.37 million Real Estate Owned $861,000 Historic Data - March 2011 Assets $469.17 million Equity Capital $49.05 million Loan Loss Allowance $5.64 million Unbacked Noncurrent Loans $2.98 million Real Estate Owned $98,000 Profit Margin - Quarterly Net Interest Margin 3.61% Return on Assets 1.41% Return on Equity 12.6% Interest Income $5.03 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 March 31, 2012 First National Bank in Staunton had $4.23 million in non-current loans and owned real-estate with $62.35 million in equity and loan loss allowances on hand to cover it. This gives First National Bank in Staunton a Texas Ratio of 6.78% 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 First National Bank in Staunton held steady from 5.62% as of March 31, 2011 to 6.78% as of March 31, 2012, resulting in a negative change of 20.69%. This indicates that the balance sheet and financial strength for First National Bank in Staunton has held steady in recent periods. Deposit Growth In the past year, First National Bank in Staunton has increased its total deposits by $15.61 million, resulting in 3.96% 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 First National Bank in Staunton has shown is above 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. First National Bank in Staunton has $491.38 million in assets with $62.35 million in equity, resulting in a capitalization level of 12.69%, which is excellent.

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