The First National Bank of Grant Park

The First National Bank of Grant Park is headquartered in Grant Park and is the 314^st largest bank in the state of Illinois. It is also the 4,608^th largest bank in the nation. It was established in 1921 and as of March of 2012, it had grown to 33 employees at 4 locations. The First National Bank of Grant Park has a 3-star health rating.

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The First National Bank of Grant Park Money Market Rates

The First National Bank of Grant Park CD Rates

Data for Q1 2012

Institution Statistics The First National Bank of Grant Park FDIC Certificate # 3675 BankRate Report View Year Established 1921 Employees 33 Primary Regulator OCC Assets and Liabilities Assets $113.98 million Loans $48.74 million Deposits $102.71 million Equity Capital $10.03 million Loan Loss Allowance $1.16 million Unbacked Noncurrent Loans $2.97 million Real Estate Owned $2.22 million Historic Data - March 2011 Assets $122.05 million Equity Capital $10.07 million Loan Loss Allowance $1.31 million Unbacked Noncurrent Loans $6.10 million Real Estate Owned $2.51 million Profit Margin - Quarterly Net Interest Margin 4.18% Return on Assets 0.31% Return on Equity 3.58% Interest Income $1.13 million

Institution Health Overall Score: 3 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 Grant Park had $5.19 million in non-current loans and owned real-estate with $11.19 million in equity and loan loss allowances on hand to cover it. This gives The First National Bank of Grant Park a Texas Ratio of 46.38% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for The First National Bank of Grant Park decreased slightly from 75.61% as of March 31, 2011 to 46.38% as of March 31, 2012, resulting in a positive change of 38.66%.This indicates that the balance sheet and financial strength for The First National Bank of Grant Park has improved slightly in recent periods. Deposit Growth In the past year, The First National Bank of Grant Park has decreased its total deposits by -$3.5 million, resulting in -3.29% 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 Grant Park has shown is below 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 Grant Park has $113.98 million in assets with $11.19 million in equity, resulting in a capitalization level of 9.82%, which is average.

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