The Farmers National Bank of Prophetstown

The Farmers National Bank of Prophetstown is headquartered in Prophetstown and is the 89^th largest bank in the state of Illinois. It is also the 1,413^st largest bank in the nation. It was established in 1902 and as of March of 2012, it had grown to 44 employees at 3 locations. The Farmers National Bank of Prophetstown has a 5-star health rating.

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Data for Q1 2012

Institution Statistics The Farmers National Bank of Prophetstown FDIC Certificate # 3732 BankRate Report View Year Established 1902 Employees 44 Primary Regulator OCC Assets and Liabilities Assets $477.74 million Loans $198.71 million Deposits $359.52 million Equity Capital $60.32 million Loan Loss Allowance $9.83 million Unbacked Noncurrent Loans $4.70 million Historic Data - March 2011 Assets $433.62 million Equity Capital $49.65 million Loan Loss Allowance $7.69 million Unbacked Noncurrent Loans $3.51 million Real Estate Owned $156,000 Profit Margin - Quarterly Net Interest Margin 3.02% Return on Assets 1.62% Return on Equity 12.79% Interest Income $4.88 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 Farmers National Bank of Prophetstown had $4.7 million in non-current loans and owned real-estate with $70.14 million in equity and loan loss allowances on hand to cover it. This gives The Farmers National Bank of Prophetstown a Texas Ratio of 6.70% 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 Farmers National Bank of Prophetstown held steady from 6.40% as of March 31, 2011 to 6.70% as of March 31, 2012, resulting in a negative change of 4.77%. This indicates that the balance sheet and financial strength for The Farmers National Bank of Prophetstown has held steady in recent periods. Deposit Growth In the past year, The Farmers National Bank of Prophetstown has increased its total deposits by $39.75 million, resulting in 12.43% 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 Farmers National Bank of Prophetstown 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 Farmers National Bank of Prophetstown has $477.74 million in assets with $70.14 million in equity, resulting in a capitalization level of 14.68%, which is excellent.

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