First National Bank of Chillicothe

First National Bank of Chillicothe is headquartered in Chillicothe and is the 428^th largest bank in the state of Illinois. It is also the 5,845^th largest bank in the nation. It was established in 1934 and as of December of 2012, it had grown to 13 employees at 1 location. First National Bank of Chillicothe has a 4-star health rating.

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Data for Q4 2012

Institution Statistics First National Bank of Chillicothe FDIC Certificate # 3635 BankRate Report View Year Established 1934 Employees 13 Primary Regulator OCC Assets and Liabilities Assets $64.02 million Loans $39.36 million Deposits $56.66 million Equity Capital $7.21 million Loan Loss Allowance $162,000 Unbacked Noncurrent Loans $88,000 Real Estate Owned $454,000 Historic Data - December 2011 Assets $68.68 million Equity Capital $7.01 million Loan Loss Allowance $163,000 Unbacked Noncurrent Loans $357,000 Real Estate Owned $584,000 Profit Margin - Quarterly Net Interest Margin 3.03% Return on Assets 0.27% Return on Equity 2.52% Interest Income $2.52 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 December 31, 2012 First National Bank of Chillicothe had $542,000 in non-current loans and owned real-estate with $7.37 million in equity and loan loss allowances on hand to cover it. This gives First National Bank of Chillicothe a Texas Ratio of 7.35% 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 of Chillicothe decreased significantly from 13.12% as of December 31, 2011 to 7.35% as of December 31, 2012, resulting in a positive change of 43.98%.This indicates that the balance sheet and financial strength for First National Bank of Chillicothe has improved significantly in recent periods. Deposit Growth In the past year, First National Bank of Chillicothe has decreased its total deposits by -$4.87 million, resulting in -7.92% 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 of Chillicothe has shown is poor. 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 of Chillicothe has $64.02 million in assets with $7.37 million in equity, resulting in a capitalization level of 11.52%, which is above average.

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