First National Bank & Trust Company

First National Bank & Trust Company is headquartered in Clinton and is the 335^th largest bank in the state of Illinois. It is also the 4,909^th largest bank in the nation. It was established in 1872 and as of March of 2012, it had grown to 22 employees at 2 locations. First National Bank & Trust Company has a 5-star health rating.

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Data for Q1 2012

Institution Statistics First National Bank & Trust Company FDIC Certificate # 3639 BankRate Report View Year Established 1872 Employees 22 Primary Regulator OCC Assets and Liabilities Assets $101.61 million Loans $36.00 million Deposits $72.55 million Equity Capital $12.81 million Loan Loss Allowance $280,000 Unbacked Noncurrent Loans $114,000 Historic Data - March 2011 Assets $100.47 million Equity Capital $11.87 million Loan Loss Allowance $365,000 Unbacked Noncurrent Loans $126,000 Profit Margin - Quarterly Net Interest Margin 2.64% Return on Assets 1.05% Return on Equity 8.23% Interest Income $676,000

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 First National Bank & Trust Company had $114,000 in non-current loans and owned real-estate with $13.09 million in equity and loan loss allowances on hand to cover it. This gives First National Bank & Trust Company a Texas Ratio of 0.87% 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 & Trust Company decreased slightly from 1.03% as of March 31, 2011 to 0.87% as of March 31, 2012, resulting in a positive change of 15.47%.This indicates that the balance sheet and financial strength for First National Bank & Trust Company has improved slightly in recent periods. Deposit Growth In the past year, First National Bank & Trust Company has increased its total deposits by $591,000, resulting in 0.82% 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 & Trust Company has shown is 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 & Trust Company has $101.61 million in assets with $13.09 million in equity, resulting in a capitalization level of 12.89%, which is excellent.

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