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 130^th largest bank in the state of Illinois. It is also the 2,244^th largest bank in the nation. It was established in 1940 and as of June of 2020, it had grown to 60 employees at 6 locations. Citizens National Bank of Albion has an A health rating.

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Health

Data as of Q2 2020

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Health Grade Components

Overall
FDIC Certificate #	15760
Year Established	1940
Employees	60
Primary Regulator	OCC

Profit Margin
Return on Assets - YTD	1.04%
Return on Equity - YTD	5.93%
Annual Interest Income	$5.9MM

Assets and Liabilities
Assets	Q2 2020vs Q2 2019	$323.2MM$324.4MM
Loans	Q2 2020vs Q2 2019	$214.4MM$221.4MM
Deposits	Q2 2020vs Q2 2019	$256.7MM$248.5MM
Equity Capital	Q2 2020vs Q2 2019	$57.6MM$54.9MM
Loan Loss Allowance	Q2 2020vs Q2 2019	$2.7MM$3.1MM
Unbacked Noncurrent Loans	Q2 2020vs Q2 2019	$5.4MM$4.7MM
Real Estate Owned	Q2 2020vs Q2 2019	$70.00K$198.00K

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
0.10%	-	-	Statement Savings Accounts
0.10%	-	-	Health Savings Account
0.10%	-	-	2020 Christmas Club Accounts
0.10%	$50	-	Club Save Kids Savings Accounts

Citizens National Bank of Albion Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.35%^*	$250k^*	-	Money Market Accounts- Limited Transactions
OTHER TIERS: 0.10% → Up to $50k \| 0.15% → $50k - $100k \| 0.25% → $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
1.00%	$1k	-	60 Month Certificate
0.75%	$1k	-	30 Month Certificate
0.75%	$1k	-	36 Month Certificate
0.75%	$1k	-	48 Month Certificate
0.60%	$1k	-	24 Month Certificate
0.55%	$1k	-	12 Month Certificate
0.55%	$1k	-	15 Month Certificate
0.55%	$1k	-	18 Month Certificate
0.50%	$1k	-	9 Month Certificate
0.45%	$1k	-	6 Month Certificate
0.25%	$1k	-	91 Day Certificate

Citizens National Bank of Albion IRA Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
1.05%	$100	-	36 Month Fixed Rate IRA
1.00%	$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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