National Bank of Earlville

National Bank of Earlville is headquartered in Earlville and is the 454^th largest bank in the state of Illinois. It is also the 6,172^nd largest bank in the nation. It was established in 1938 and as of March of 2012, it had grown to 12 employees at 1 location. National Bank of Earlville has a 4-star health rating.

National Bank of Earlville Routing Number: 071921529

Data for Q1 2012

Institution Statistics National Bank of Earlville FDIC Certificate # 15630 BankRate Report View Year Established 1938 Employees 12 Primary Regulator OCC Assets and Liabilities Assets $56.37 million Loans $34.90 million Deposits $47.01 million Equity Capital $8.94 million Loan Loss Allowance $714,000 Unbacked Noncurrent Loans $1.21 million Real Estate Owned $1.36 million Historic Data - March 2011 Assets $54.49 million Equity Capital $9.25 million Loan Loss Allowance $840,000 Unbacked Noncurrent Loans $2.75 million Real Estate Owned $683,000 Profit Margin - Quarterly Net Interest Margin 3.76% Return on Assets -1.03% Return on Equity -6.74% Interest Income $568,000

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 National Bank of Earlville had $2.57 million in non-current loans and owned real-estate with $9.66 million in equity and loan loss allowances on hand to cover it. This gives National Bank of Earlville a Texas Ratio of 26.65% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for National Bank of Earlville decreased slightly from 34.04% as of March 31, 2011 to 26.65% as of March 31, 2012, resulting in a positive change of 21.70%.This indicates that the balance sheet and financial strength for National Bank of Earlville has improved slightly in recent periods. Deposit Growth In the past year, National Bank of Earlville has increased its total deposits by $3.56 million, resulting in 8.18% 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 National Bank of Earlville 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. National Bank of Earlville has $56.37 million in assets with $9.66 million in equity, resulting in a capitalization level of 17.13%, which is excellent.

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