The Lynnville National Bank

215 Main Street
Lynnville, IN 47619
(812) 922-3231
www.lnbbanking.com

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The Lynnville National Bank is headquartered in Lynnville and is the 107^th largest bank in the state of Indiana. It is also the 4,964^th largest bank in the nation. It was established in 1907 and as of March of 2012, it had grown to 40 employees at 4 locations. The Lynnville National Bank has a 4-star health rating.

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See Rates for: Checking | Savings | Money Market | CD | IRA

The Lynnville National Bank Checking Account Rates

Apy	Min	Max	Product
0.15%	$25k	-	Bravo Checking Account
0.10%	$2,500	-	Super Now Account
0.05%	$1k	-	Now Account

The Lynnville National Bank Savings Account Rates

Apy	Min	Max	Product
0.25%	-	-	Christmas Club Relationship Account
0.25%	-	-	Vacation Club Relationship Account
0.10%	$100	-	Savings Account
0.01%	-	-	Christmas Club Non-Relationship Account
0.01%	-	-	Vacation Club Non-Relationship Account

The Lynnville National Bank Money Market Rates

Apy	Min	Max	Product
0.15%	$100k	-	Super Money Market Account
0.05%	$2,500	-	Money Market Account

The Lynnville National Bank CD Rates

Apy	Min	Max	Product
1.25%	$500	-	84 Month CD Special
1.00%	$500	-	60 Month CD
0.75%	$500	-	48 Month CD
0.50%	$500	-	36 Month CD
0.50%	$500	-	42 Month CD
0.30%	$500	-	30 Month CD
0.20%	$500	-	24 Month CD
0.15%	$500	-	18 Month CD
0.15%	$100	-	18 Month TDOA-Var CD
0.10%	$500	-	12 Month CD
0.10%	$500	-	15 Month CD
0.05%	$2,500	-	3 Month CD
0.05%	$2,500	-	6 Month CD
0.05%	$500	-	5 Month CD
0.05%	$500	-	7 Month CD
0.05%	$500	-	9 Month CD
0.05%	$500	-	11 Month CD

The Lynnville National Bank IRA Rates

Apy	Min	Max	Product
1.25%	$500	-	84 Month IRA Special
1.25%	$500	-	84 Month Roth IRA Special
1.25%	$500	-	84 Month CESA Special
1.00%	$500	-	60 Month IRA
1.00%	$500	-	60 Month Roth IRA
1.00%	$500	-	60 Month CESA
0.75%	$500	-	48 Month IRA
0.75%	$500	-	48 Month Roth IRA
0.75%	$500	-	48 Month CESA
0.50%	$500	-	36 Month IRA
0.50%	$500	-	42 Month IRA
0.50%	$500	-	36 Month Roth IRA
0.50%	$500	-	42 Month Roth IRA
0.50%	$500	-	36 Month CESA
0.50%	$500	-	42 Month CESA
0.30%	$500	-	30 Month IRA
0.30%	$500	-	30 Month Roth IRA
0.30%	$500	-	30 Month CESA
0.20%	$500	-	24 Month IRA
0.20%	$500	-	24 Month Roth IRA
0.20%	$500	-	24 Month CESA
0.15%	$500	-	18 Month IRA
0.15%	$100	-	18 Month Var IRA
0.15%	$500	-	18 Month Roth IRA
0.15%	$100	-	18 Month Var Roth IRA
0.15%	$500	-	18 Month CESA
0.15%	$100	-	18 Month Var CESA
0.10%	$500	-	12 Month IRA
0.10%	$500	-	15 Month IRA
0.10%	$500	-	12 Month Roth IRA
0.10%	$500	-	15 Month Roth IRA
0.10%	$500	-	12 Month CESA
0.10%	$500	-	15 Month CESA
0.05%	$2,500	-	3 Month IRA
0.05%	$500	-	5 Month IRA
0.05%	$2,500	-	6 Month IRA
0.05%	$500	-	7 Month IRA
0.05%	$500	-	9 Month IRA
0.05%	$500	-	11 Month IRA
0.05%	$2,500	-	3 Month Roth IRA
0.05%	$500	-	5 Month Roth IRA
0.05%	$2,500	-	6 Month Roth IRA
0.05%	$500	-	7 Month Roth IRA
0.05%	$500	-	9 Month Roth IRA
0.05%	$500	-	11 Month Roth IRA
0.05%	$2,500	-	3 Month CESA
0.05%	$500	-	5 Month CESA
0.05%	$2,500	-	6 Month CESA
0.05%	$500	-	7 Month CESA
0.05%	$500	-	9 Month CESA
0.05%	$500	-	11 Month CESA

Rates updated: 5/26/2012

Data for Q1 2012

Institution Statistics

The Lynnville National Bank
FDIC Certificate #	4398
BankRate Report	View
Year Established	1907
Employees	40
Primary Regulator	OCC
Assets and Liabilities
Assets	$99.12 million
Loans	$71.73 million
Deposits	$83.10 million
Equity Capital	$10.45 million
Loan Loss Allowance	$1.35 million
Unbacked Noncurrent Loans	$699,000
Real Estate Owned	$452,000
Historic Data - March 2011
Assets	$96.73 million
Equity Capital	$10.19 million
Loan Loss Allowance	$1.39 million
Unbacked Noncurrent Loans	$1.90 million
Real Estate Owned	$1.38 million
Profit Margin - Quarterly
Net Interest Margin	4.5%
Return on Assets	0.62%
Return on Equity	5.86%
Interest Income	$1.23 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 Lynnville National Bank had $1.15 million in non-current loans and owned real-estate with $11.8 million in equity and loan loss allowances on hand to cover it. This gives The Lynnville National Bank a Texas Ratio of 9.75% 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 Lynnville National Bank decreased significantly from 28.29% as of March 31, 2011 to 9.75% as of March 31, 2012, resulting in a positive change of 65.53%.This indicates that the balance sheet and financial strength for The Lynnville National Bank has improved significantly in recent periods.
Deposit Growth
In the past year, The Lynnville National Bank has increased its total deposits by $1.48 million, resulting in 1.81% 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 Lynnville National Bank 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 Lynnville National Bank has $99.12 million in assets with $11.8 million in equity, resulting in a capitalization level of 11.91%, which is above average.

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