The First National Bank of Arcola

The First National Bank of Arcola is headquartered in Arcola and is the 303^rd largest bank in the state of Illinois. It is also the 4,381^st largest bank in the nation. It was established in 1874 and as of March of 2012, it had grown to 20 employees at 3 locations. The First National Bank of Arcola has a 5-star health rating.

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Data for Q1 2012

Institution Statistics Arcola First Bank FDIC Certificate # 3598 BankRate Report View Year Established 1874 Employees 20 Primary Regulator FDIC Assets and Liabilities Assets $123.74 million Loans $11.14 million Deposits $105.84 million Equity Capital $17.69 million Loan Loss Allowance $659,000 Historic Data - March 2011 Assets $117.76 million Equity Capital $13.96 million Loan Loss Allowance $658,000 Profit Margin - Quarterly Net Interest Margin 2.9% Return on Assets 1.28% Return on Equity 8.87% Interest Income $967,000

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 First National Bank of Arcola had $0 in non-current loans and owned real-estate with $18.35 million in equity and loan loss allowances on hand to cover it. This gives The First National Bank of Arcola 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 First National Bank of Arcola has increased its total deposits by $2.49 million, resulting in 2.41% 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 First National Bank of Arcola 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 First National Bank of Arcola has $123.74 million in assets with $18.35 million in equity, resulting in a capitalization level of 14.83%, which is excellent.

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