Citizens National Bank of Albion

Overview / Commentary

www.cnbalbion.com

618-445-2344

10 West Elm Street
Albion, IL 62806

Citizens National Bank of Albion is headquartered in Albion and is the 125^th largest bank in the state of Illinois. It is also the 2,086^th largest bank in the nation. It was established in 1940 and as of September of 2019, it had grown to 61 employees at 6 locations. Citizens National Bank of Albion's money market rates are 2X the national average, and it has a B+ health rating.

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Health

B+

Data as of Q3 2019

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Health Grade Components

Overall
FDIC Certificate #	15760
Year Established	1940
Employees	61
Primary Regulator	OCC

Profit Margin
Return on Assets - YTD	1.09%
Return on Equity - YTD	6.49%
Annual Interest Income	$9.6MM

Assets and Liabilities
Assets	Q3 2019vs Q3 2018	$318.8MM$323.7MM
Loans	Q3 2019vs Q3 2018	$215.4MM$235.6MM
Deposits	Q3 2019vs Q3 2018	$246.9MM$249.6MM
Equity Capital	Q3 2019vs Q3 2018	$55.8MM$51.6MM
Loan Loss Allowance	Q3 2019vs Q3 2018	$3.2MM$3.1MM
Unbacked Noncurrent Loans	Q3 2019vs Q3 2018	$5.9MM$765.00K
Real Estate Owned	Q3 2019vs Q3 2018	$0$0

Rates

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Savings
Money Market
Checking
CD
IRA

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Citizens National Bank of Albion Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.35%	-	-	2019 Christmas Club Accounts
0.25%	-	-	Health Savings Account
0.20%	-	-	Statement Savings Accounts

Citizens National Bank of Albion Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
1.00%^*	$250k^*	-	Money Market Accounts- Limited Transactions
OTHER TIERS: 0.15% → Up to $10k \| 0.25% → $10k - $50k \| 0.35% → $50k - $100k \| 0.50% → $100k - $250k

Citizens National Bank of Albion Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.15%^*	$2.5k^*	-	Super Now Accounts- Unlimited Transactions
OTHER TIERS: 0.10% → Up to $2.5k
0.10%	-	-	Now Accounts- Unlimited Transactions
0.10%	-	-	Business Interest Bearing- Unlimited Transactions

Citizens National Bank of Albion CD Rates

APY	MIN	MAX	ACCOUNT NAME
1.76%	$1k	-	60 Month Certificate
1.66%	$1k	-	36 Month Certificate
1.66%	$1k	-	48 Month Certificate
1.61%	$1k	-	15 Month Certificate
1.61%	$1k	-	18 Month Certificate
1.61%	$1k	-	24 Month Certificate
1.61%	$1k	-	30 Month Certificate
1.60%	$1k	-	12 Month Certificate
1.35%	$1k	-	9 Month Certificate
1.25%	$1k	-	6 Month Certificate
1.00%	$1k	-	91 Day Certificate

Citizens National Bank of Albion IRA Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
1.76%	$100	-	36 Month Fixed Rate IRA
1.71%	$100	-	18 Month Variable Rate IRA

Locations

Citizens National Bank of Albion Locations
Citizens National Bank Of Albion	10 West Elm Street	Albion, IL 62806
Olney Branch	202 South Whittle Avenue	Olney, IL 62450
Crossville Branch	303 West Main Street	Crossville, IL 62827
Mt Erie Branch	101 West Main Street	Mount Erie, IL 62446
Bridgeport Branch	100 East State Street	Bridgeport, IL 62417
Lawrenceville Branch	1300 15th Street	Lawrenceville, IL 62439

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