HNB National Bank

HNB National Bank is headquartered in Hannibal and is the 59^th largest bank in the state of Missouri. It is also the 1,653^rd largest bank in the nation. It was established in 1888 and as of March of 2012, it had grown to 130 employees at 12 locations. HNB National Bank has a 5-star health rating.

HNB National Bank Routing Number: 081500480

Data for Q1 2012

Institution Statistics HNB National Bank FDIC Certificate # 4540 BankRate Report View Year Established 1888 Employees 130 Primary Regulator OCC Assets and Liabilities Assets $402.99 million Loans $304.95 million Deposits $354.79 million Equity Capital $41.61 million Loan Loss Allowance $3.73 million Unbacked Noncurrent Loans $1.80 million Real Estate Owned $770,000 Historic Data - March 2011 Assets $329.78 million Equity Capital $34.52 million Loan Loss Allowance $3.11 million Unbacked Noncurrent Loans $1.79 million Real Estate Owned $430,000 Profit Margin - Quarterly Net Interest Margin 4.81% Return on Assets 2% Return on Equity 17.72% Interest Income $4.82 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 HNB National Bank had $2.57 million in non-current loans and owned real-estate with $45.34 million in equity and loan loss allowances on hand to cover it. This gives HNB National Bank a Texas Ratio of 5.66% 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 HNB National Bank held steady from 5.70% as of March 31, 2011 to 5.66% as of March 31, 2012, resulting in a positive change of 0.75%.This indicates that the balance sheet and financial strength for HNB National Bank has held steady in recent periods. Deposit Growth In the past year, HNB National Bank has increased its total deposits by $65.97 million, resulting in 22.84% 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 HNB National Bank 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. HNB National Bank has $402.99 million in assets with $45.34 million in equity, resulting in a capitalization level of 11.25%, which is above average.

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