THE National Bank Strength and Stability Statement

There has been much press lately concerning the troubles facing America’s banks and financial institutions. With investment and commercial banks shuttering their doors, Congress attempting to "bailout" the financial markets and the economy slowing, we appreciate the "nervousness" on Main Street. Please be assured that the financial condition of THE National Bank is sound. As of November 30, 2008, we had $1.082 billion in assets. Year-to-date, we have $8.051 million in profits through November 30, 2008.

More importantly, we have $137 million in capital. As of November 30, 2008, our capital ratios, the gauge used by our regulators to assess capital strength, stood at:

Our balance sheet does not now, and has never included the sub-prime, alt-A, "no doc" and stated income loans that are plaguing the industry. We also do not hold bonds secured by these types of mortgages. We currently have a loan loss reserve of $9.530 million dollars to handle any loan losses that might arise. That represents 1.30% of all outstanding loans as of November 30, 2008.

THE National Bank is participating in the FDIC's Transaction Account Guarantee Program. Under that program, through December 31, 2009, all noninterest-bearing transaction accounts are fully guaranteed by the FDIC for the entire amount in the account. Coverage under the Transaction Account Guarantee Program is in addition to and separate from the $250,000 coverage available under the FDIC's general deposit insurance rules. Our customer service representatives will work with you to maximize your coverage.

Sincerely,
John DeDoncker
CEO, President
THE National Bank

**THE National Bank does not endorse or guarantee the products, information or recommendations provided by linked sites and is not liable for any failure of products or services advertised on those sites.  Third party sites may have a privacy policy different than that of THE National Bank and may provide less security  than that which is provided by THE National Bank.

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