MidAmerica National Bank

MidAmerica National Bank is headquartered in Canton and is the 127^th largest bank in the state of Illinois. It is also the 1,953^rd largest bank in the nation. It was established in 1933 and as of March of 2012, it had grown to 98 employees at 7 locations. MidAmerica National Bank has a 5-star health rating.

MidAmerica National Bank Routing Number: 071102238

Data for Q1 2012

Institution Statistics MidAmerica National Bank FDIC Certificate # 3612 BankRate Report View Year Established 1933 Employees 98 Primary Regulator OCC Assets and Liabilities Assets $333.76 million Loans $139.20 million Deposits $278.17 million Equity Capital $46.27 million Loan Loss Allowance $2.43 million Unbacked Noncurrent Loans $3.58 million Real Estate Owned $121,000 Historic Data - March 2011 Assets $326.82 million Equity Capital $44.56 million Loan Loss Allowance $2.57 million Unbacked Noncurrent Loans $4.25 million Real Estate Owned $167,000 Profit Margin - Quarterly Net Interest Margin 3.41% Return on Assets 0.9% Return on Equity 6.36% Interest Income $3.02 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 MidAmerica National Bank had $3.7 million in non-current loans and owned real-estate with $48.7 million in equity and loan loss allowances on hand to cover it. This gives MidAmerica National Bank a Texas Ratio of 7.59% 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 MidAmerica National Bank held steady from 8.73% as of March 31, 2011 to 7.59% as of March 31, 2012, resulting in a positive change of 12.97%.This indicates that the balance sheet and financial strength for MidAmerica National Bank has held steady in recent periods. Deposit Growth In the past year, MidAmerica National Bank has increased its total deposits by $14.43 million, resulting in 5.47% 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 MidAmerica 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. MidAmerica National Bank has $333.76 million in assets with $48.7 million in equity, resulting in a capitalization level of 14.59%, which is excellent.

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