Albany Bank and Trust Company National Association

Albany Bank and Trust Company National Association is headquartered in Chicago and is the 80^th largest bank in the state of Illinois. It is also the 1,290^th largest bank in the nation. It was established in 1953 and as of December of 2011, it had grown to 92 employees at 4 locations. Albany Bank and Trust Company National Association has a 3-star health rating.

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Data for Q4 2011

Institution Statistics Albany Bank and Trust Company National Association FDIC Certificate # 17230 BankRate Report View Year Established 1953 Employees 92 Primary Regulator OCC Assets and Liabilities Assets $523.41 million Loans $355.86 million Deposits $444.75 million Equity Capital $77.19 million Loan Loss Allowance $6.17 million Unbacked Noncurrent Loans $13.83 million Real Estate Owned $2.06 million Historic Data - December 2010 Assets $519.75 million Equity Capital $73.97 million Loan Loss Allowance $5.18 million Unbacked Noncurrent Loans $9.39 million Real Estate Owned $714,000 Profit Margin - Quarterly Net Interest Margin 3.62% Return on Assets 0.72% Return on Equity 4.96% Interest Income $20.08 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 December 31, 2011 Albany Bank and Trust Company National Association had $15.9 million in non-current loans and owned real-estate with $83.36 million in equity and loan loss allowances on hand to cover it. This gives Albany Bank and Trust Company National Association a Texas Ratio of 19.07% 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 Albany Bank and Trust Company National Association increased slightly from 12.77% as of December 31, 2010 to 19.07% as of December 31, 2011, resulting in a negative change of 49.36%. This indicates that the balance sheet and financial strength for Albany Bank and Trust Company National Association has declined slightly in recent periods. Deposit Growth In the past year, Albany Bank and Trust Company National Association has increased its total deposits by $970,000, resulting in 0.22% 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 Albany Bank and Trust Company National Association has shown is 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. Albany Bank and Trust Company National Association has $523.41 million in assets with $83.36 million in equity, resulting in a capitalization level of 15.93%, which is excellent.

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