THE National Bank

THE National Bank is headquartered in Moline and is the 39^th largest bank in the state of Illinois. It is also the 638^th largest bank in the nation. It was established in 2005 and as of March of 2012, it had grown to 308 employees at 29 locations. THE National Bank has a 3-star health rating.

Data for Q1 2012

Institution Statistics THE National Bank FDIC Certificate # 57918 BankRate Report View Year Established 2005 Employees 308 Primary Regulator OCC Assets and Liabilities Assets $1.04 billion Loans $568.20 million Deposits $915.12 million Equity Capital $103.45 million Loan Loss Allowance $12.50 million Unbacked Noncurrent Loans $25.11 million Real Estate Owned $9.65 million Historic Data - March 2011 Assets $1.13 billion Equity Capital $143.68 million Loan Loss Allowance $16.98 million Unbacked Noncurrent Loans $41.07 million Real Estate Owned $13.92 million Profit Margin - Quarterly Net Interest Margin 3.14% Return on Assets 0.21% Return on Equity 2.1% Interest Income $9.34 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 National Bank had $34.76 million in non-current loans and owned real-estate with $115.95 million in equity and loan loss allowances on hand to cover it. This gives THE National Bank a Texas Ratio of 29.98% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for THE National Bank held steady from 34.26% as of March 31, 2011 to 29.98% as of March 31, 2012, resulting in a positive change of 12.50%.This indicates that the balance sheet and financial strength for THE National Bank has held steady in recent periods. Deposit Growth In the past year, THE National Bank has decreased its total deposits by -$39.87 million, resulting in -4.18% 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 National Bank 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 National Bank has $1.04 billion in assets with $115.95 million in equity, resulting in a capitalization level of 11.17%, which is above average.

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