Illinois National Bank

Illinois National Bank is headquartered in Springfield and is the 71^st largest bank in the state of Illinois. It is also the 1,151^st largest bank in the nation. It was established in 1905 and as of March of 2012, it had grown to 205 employees at 12 locations. Illinois National Bank's savings rates are 3X the national average, and it has a 4-star health rating.

Illinois National Bank Savings Account Rates

Illinois National Bank CD Rates

Illinois National Bank IRA Rates

Data for Q1 2012

Institution Statistics Illinois National Bank FDIC Certificate # 3664 BankRate Report View Year Established 1905 Employees 205 Primary Regulator OCC Assets and Liabilities Assets $586.35 million Loans $342.09 million Deposits $529.72 million Equity Capital $53.87 million Loan Loss Allowance $4.62 million Unbacked Noncurrent Loans $4.66 million Real Estate Owned $2.87 million Historic Data - March 2011 Assets $601.34 million Equity Capital $51.44 million Loan Loss Allowance $4.36 million Unbacked Noncurrent Loans $11.93 million Real Estate Owned $3.38 million Profit Margin - Quarterly Net Interest Margin 3.23% Return on Assets 0.38% Return on Equity 4.05% Interest Income $4.90 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 March 31, 2012 Illinois National Bank had $7.52 million in non-current loans and owned real-estate with $58.49 million in equity and loan loss allowances on hand to cover it. This gives Illinois National Bank a Texas Ratio of 12.86% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Illinois National Bank decreased significantly from 27.07% as of March 31, 2011 to 12.86% as of March 31, 2012, resulting in a positive change of 52.48%.This indicates that the balance sheet and financial strength for Illinois National Bank has improved significantly in recent periods. Deposit Growth In the past year, Illinois National Bank has decreased its total deposits by -$16.27 million, resulting in -2.98% 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 Illinois National Bank has shown is below 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. Illinois National Bank has $586.35 million in assets with $58.49 million in equity, resulting in a capitalization level of 9.97%, which is average.

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