The Anna -Jonesboro National Bank

The Anna -Jonesboro National Bank is headquartered in Anna and is the 182^nd largest bank in the state of Illinois. It is also the 2,709^th largest bank in the nation. It was established in 1900 and as of March of 2012, it had grown to 57 employees at 4 locations. The Anna -Jonesboro National Bank has a 4-star health rating.

Data for Q1 2012

Institution Statistics The Anna -Jonesboro National Bank FDIC Certificate # 3759 BankRate Report View Year Established 1900 Employees 57 Primary Regulator OCC Assets and Liabilities Assets $237.10 million Loans $118.26 million Deposits $206.92 million Equity Capital $28.09 million Loan Loss Allowance $1.55 million Unbacked Noncurrent Loans $5.42 million Real Estate Owned $14,000 Historic Data - March 2011 Assets $229.17 million Equity Capital $25.95 million Loan Loss Allowance $1.72 million Unbacked Noncurrent Loans $4.73 million Real Estate Owned $257,000 Profit Margin - Quarterly Net Interest Margin 3.4% Return on Assets 0.94% Return on Equity 7.85% Interest Income $2.48 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 The Anna -Jonesboro National Bank had $5.43 million in non-current loans and owned real-estate with $29.64 million in equity and loan loss allowances on hand to cover it. This gives The Anna -Jonesboro National Bank a Texas Ratio of 18.33% 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 The Anna -Jonesboro National Bank held steady from 18.02% as of March 31, 2011 to 18.33% as of March 31, 2012, resulting in a negative change of 1.72%. This indicates that the balance sheet and financial strength for The Anna -Jonesboro National Bank has held steady in recent periods. Deposit Growth In the past year, The Anna -Jonesboro National Bank has increased its total deposits by $7.32 million, resulting in 3.67% 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 The Anna -Jonesboro National Bank 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. The Anna -Jonesboro National Bank has $237.1 million in assets with $29.64 million in equity, resulting in a capitalization level of 12.50%, which is excellent.

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