The First National Bank & Trust Company of Rochelle

The First National Bank & Trust Company of Rochelle is headquartered in Rochelle and is the 184^th largest bank in the state of Illinois. It is also the 2,748^th largest bank in the nation. It was established in 1934 and as of March of 2012, it had grown to 66 employees at 3 locations. The First National Bank & Trust Company of Rochelle has a 4-star health rating.

Data for Q1 2012

Institution Statistics The First National Bank & Trust Company of Rochelle FDIC Certificate # 14583 BankRate Report View Year Established 1934 Employees 66 Primary Regulator OCC Assets and Liabilities Assets $233.13 million Loans $62.66 million Deposits $203.22 million Equity Capital $21.25 million Loan Loss Allowance $716,000 Unbacked Noncurrent Loans $1.26 million Real Estate Owned $893,000 Historic Data - March 2011 Assets $222.37 million Equity Capital $19.55 million Loan Loss Allowance $1.59 million Unbacked Noncurrent Loans $5.41 million Real Estate Owned $1.85 million Profit Margin - Quarterly Net Interest Margin 2.81% Return on Assets 1.25% Return on Equity 13.7% Interest Income $1.81 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 & Trust Company of Rochelle had $2.15 million in non-current loans and owned real-estate with $21.96 million in equity and loan loss allowances on hand to cover it. This gives The First National Bank & Trust Company of Rochelle a Texas Ratio of 9.79% which is above 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 & Trust Company of Rochelle decreased significantly from 34.32% as of March 31, 2011 to 9.79% as of March 31, 2012, resulting in a positive change of 71.47%.This indicates that the balance sheet and financial strength for The First National Bank & Trust Company of Rochelle has improved significantly in recent periods. Deposit Growth In the past year, The First National Bank & Trust Company of Rochelle has increased its total deposits by $11.79 million, resulting in 6.16% 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 & Trust Company of Rochelle 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 & Trust Company of Rochelle has $233.12 million in assets with $21.96 million in equity, resulting in a capitalization level of 9.42%, which is average.

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