The First National Bank of Dwight

The First National Bank of Dwight is headquartered in Dwight and is the 281^st largest bank in the state of Illinois. It is also the 4,082^nd largest bank in the nation. It was established in 1905 and as of March of 2012, it had grown to 22 employees at 1 location. The First National Bank of Dwight has a 4-star health rating.

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Data for Q1 2012

Institution Statistics The First National Bank of Dwight FDIC Certificate # 3658 BankRate Report View Year Established 1905 Employees 22 Primary Regulator OCC Assets and Liabilities Assets $137.69 million Loans $47.74 million Deposits $115.09 million Equity Capital $15.48 million Loan Loss Allowance $590,000 Unbacked Noncurrent Loans $3.86 million Historic Data - March 2011 Assets $128.28 million Equity Capital $15.52 million Loan Loss Allowance $189,000 Profit Margin - Quarterly Net Interest Margin 2.76% Return on Assets 0.68% Return on Equity 5.82% Interest Income $1.05 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 First National Bank of Dwight had $3.86 million in non-current loans and owned real-estate with $16.07 million in equity and loan loss allowances on hand to cover it. This gives The First National Bank of Dwight a Texas Ratio of 24.01% which is average. 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 Dwight has increased its total deposits by $9.51 million, resulting in 9% 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 Dwight 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 First National Bank of Dwight has $137.69 million in assets with $16.07 million in equity, resulting in a capitalization level of 11.67%, which is above average.

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