Alpine Bank & Trust Co.

Alpine Bank & Trust Co. is headquartered in Rockford and is the 38^th largest bank in the state of Illinois. It is also the 637^th largest bank in the nation. It was established in 1962 and as of December of 2011, it had grown to 327 employees at 19 locations. Alpine Bank & Trust Co. has a 5-star health rating.

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Data for Q4 2011

Institution Statistics Alpine Bank & Trust Co. FDIC Certificate # 18545 BankRate Report View Year Established 1962 Employees 327 Primary Regulator FED Assets and Liabilities Assets $1.04 billion Loans $569.82 million Deposits $928.93 million Equity Capital $103.11 million Loan Loss Allowance $16.46 million Unbacked Noncurrent Loans $9.55 million Real Estate Owned $1.79 million Historic Data - December 2010 Assets $1.01 billion Equity Capital $90.58 million Loan Loss Allowance $12.37 million Unbacked Noncurrent Loans $14.01 million Real Estate Owned $4.66 million Profit Margin - Quarterly Net Interest Margin 3.56% Return on Assets 0.68% Return on Equity 7.11% Interest Income $40.35 million

Institution Health Overall Score: 5 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 Alpine Bank & Trust Co. had $11.34 million in non-current loans and owned real-estate with $119.56 million in equity and loan loss allowances on hand to cover it. This gives Alpine Bank & Trust Co. a Texas Ratio of 9.48% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Alpine Bank & Trust Co. decreased significantly from 18.14% as of December 31, 2010 to 9.48% as of December 31, 2011, resulting in a positive change of 47.72%.This indicates that the balance sheet and financial strength for Alpine Bank & Trust Co. has improved significantly in recent periods. Deposit Growth In the past year, Alpine Bank & Trust Co. has increased its total deposits by $70.88 million, resulting in 8.26% 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 Alpine Bank & Trust Co. has shown is excellent. 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. Alpine Bank & Trust Co. has $1.04 billion in assets with $119.56 million in equity, resulting in a capitalization level of 11.51%, which is above average.

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