National Bank of Petersburg

National Bank of Petersburg is headquartered in Petersburg and is the 271^st largest bank in the state of Illinois. It is also the 3,900^th largest bank in the nation. It was established in 1948 and as of March of 2012, it had grown to 28 employees at 2 locations. National Bank of Petersburg has a 5-star health rating.

Data for Q1 2012

Institution Statistics National Bank of Petersburg FDIC Certificate # 16718 BankRate Report View Year Established 1948 Employees 28 Primary Regulator OCC Assets and Liabilities Assets $148.62 million Loans $68.08 million Deposits $131.66 million Equity Capital $14.35 million Loan Loss Allowance $1.10 million Unbacked Noncurrent Loans $27,000 Historic Data - March 2011 Assets $144.50 million Equity Capital $14.23 million Loan Loss Allowance $1.11 million Unbacked Noncurrent Loans $29,000 Real Estate Owned $30,000 Profit Margin - Quarterly Net Interest Margin 2.71% Return on Assets 0.93% Return on Equity 9.35% Interest Income $1.10 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 National Bank of Petersburg had $27,000 in non-current loans and owned real-estate with $15.45 million in equity and loan loss allowances on hand to cover it. This gives National Bank of Petersburg a Texas Ratio of 0.17% 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 National Bank of Petersburg decreased significantly from 0.38% as of March 31, 2011 to 0.17% as of March 31, 2012, resulting in a positive change of 54.58%.This indicates that the balance sheet and financial strength for National Bank of Petersburg has improved significantly in recent periods. Deposit Growth In the past year, National Bank of Petersburg has increased its total deposits by $4 million, resulting in 3.13% 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 Petersburg has shown is above 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. National Bank of Petersburg has $148.62 million in assets with $15.45 million in equity, resulting in a capitalization level of 10.40%, which is above average.

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