The Atlanta National Bank

The Atlanta National Bank is headquartered in Atlanta and is the 434^th largest bank in the state of Illinois. It is also the 5,920^th largest bank in the nation. It was established in 1887 and as of December of 2012, it had grown to 14 employees at 2 locations. The Atlanta National Bank has a 5-star health rating.

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Data for Q4 2012

Institution Statistics The Atlanta National Bank FDIC Certificate # 3601 BankRate Report View Year Established 1887 Employees 14 Primary Regulator OCC Assets and Liabilities Assets $61.02 million Loans $14.67 million Deposits $48.79 million Equity Capital $7.03 million Loan Loss Allowance $115,000 Historic Data - December 2011 Assets $58.03 million Equity Capital $6.90 million Loan Loss Allowance $114,000 Unbacked Noncurrent Loans $15,000 Profit Margin - Quarterly Net Interest Margin 2.48% Return on Assets 0.68% Return on Equity 5.88% Interest Income $1.91 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 December 31, 2012 The Atlanta National Bank had $0 in non-current loans and owned real-estate with $7.14 million in equity and loan loss allowances on hand to cover it. This gives The Atlanta National Bank a Texas Ratio of 0.00% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Deposit Growth In the past year, The Atlanta National Bank has increased its total deposits by $3.33 million, resulting in 7.32% 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 Atlanta 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. The Atlanta National Bank has $61.02 million in assets with $7.14 million in equity, resulting in a capitalization level of 11.70%, which is above average.

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