The Havana National Bank

The Havana National Bank is headquartered in Havana and is the 219^st largest bank in the state of Illinois. It is also the 3,183^rd largest bank in the nation. It was established in 1875 and as of March of 2012, it had grown to 51 employees at 5 locations. The Havana National Bank has a 4-star health rating.

The Havana National Bank CD Rates

Data for Q1 2012

Institution Statistics The Havana National Bank FDIC Certificate # 3677 BankRate Report View Year Established 1875 Employees 51 Primary Regulator OCC Assets and Liabilities Assets $195.58 million Loans $116.56 million Deposits $171.37 million Equity Capital $16.91 million Loan Loss Allowance $1.21 million Unbacked Noncurrent Loans $1.93 million Real Estate Owned $69,000 Historic Data - March 2011 Assets $179.64 million Equity Capital $14.88 million Loan Loss Allowance $1.10 million Unbacked Noncurrent Loans $1.57 million Real Estate Owned $80,000 Profit Margin - Quarterly Net Interest Margin 3.16% Return on Assets 0.94% Return on Equity 10.7% Interest Income $1.87 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 Havana National Bank had $2 million in non-current loans and owned real-estate with $18.12 million in equity and loan loss allowances on hand to cover it. This gives The Havana National Bank a Texas Ratio of 11.04% 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 Havana National Bank held steady from 10.30% as of March 31, 2011 to 11.04% as of March 31, 2012, resulting in a negative change of 7.15%. This indicates that the balance sheet and financial strength for The Havana National Bank has held steady in recent periods. Deposit Growth In the past year, The Havana National Bank has increased its total deposits by $16.55 million, resulting in 10.69% 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 Havana National Bank 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 Havana National Bank has $195.58 million in assets with $18.12 million in equity, resulting in a capitalization level of 9.27%, which is average.

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