The Fairfield National Bank

The Fairfield National Bank is headquartered in Fairfield and is the 104^th largest bank in the state of Illinois. It is also the 1,649^th largest bank in the nation. It was established in 1903 and as of March of 2012, it had grown to 57 employees at 4 locations. The Fairfield National Bank has a 5-star health rating.

The Fairfield National Bank Checking Account Rates

The Fairfield National Bank Savings Account Rates

The Fairfield National Bank Money Market Rates

Data for Q1 2012

Institution Statistics The Fairfield National Bank FDIC Certificate # 3792 BankRate Report View Year Established 1903 Employees 57 Primary Regulator OCC Assets and Liabilities Assets $404.20 million Loans $170.66 million Deposits $298.10 million Equity Capital $39.86 million Loan Loss Allowance $1.07 million Unbacked Noncurrent Loans $1.93 million Historic Data - March 2011 Assets $381.26 million Equity Capital $35.71 million Loan Loss Allowance $1.50 million Unbacked Noncurrent Loans $420,000 Real Estate Owned $15,000 Profit Margin - Quarterly Net Interest Margin 2.77% Return on Assets 1.15% Return on Equity 11.68% Interest Income $3.61 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 The Fairfield National Bank had $1.93 million in non-current loans and owned real-estate with $40.93 million in equity and loan loss allowances on hand to cover it. This gives The Fairfield National Bank a Texas Ratio of 4.73% 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 The Fairfield National Bank held steady from 1.94% as of March 31, 2011 to 4.73% as of March 31, 2012, resulting in a negative change of 143.16%. This indicates that the balance sheet and financial strength for The Fairfield National Bank has held steady in recent periods. Deposit Growth In the past year, The Fairfield National Bank has increased its total deposits by $15.21 million, resulting in 5.38% 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 Fairfield 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 Fairfield National Bank has $404.2 million in assets with $40.93 million in equity, resulting in a capitalization level of 10.13%, which is above average.

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