Bank & Trust Company

Bank & Trust Company is headquartered in Litchfield and is the 163^rd largest bank in the state of Illinois. It is also the 2,482^nd largest bank in the nation. It was established in 1902 and as of December of 2011, it had grown to 89 employees at 7 locations. Bank & Trust Company has a 4-star health rating.

Data for Q4 2011

Institution Statistics Bank & Trust Company FDIC Certificate # 1047 BankRate Report View Year Established 1902 Employees 89 Primary Regulator FDIC Assets and Liabilities Assets $258.45 million Loans $162.36 million Deposits $228.97 million Equity Capital $25.91 million Loan Loss Allowance $3.74 million Unbacked Noncurrent Loans $4.29 million Real Estate Owned $54,000 Historic Data - December 2010 Assets $254.33 million Equity Capital $23.69 million Loan Loss Allowance $3.43 million Unbacked Noncurrent Loans $3.78 million Real Estate Owned $43,000 Profit Margin - Quarterly Net Interest Margin 3.85% Return on Assets 0.84% Return on Equity 8.72% Interest Income $12.42 million

Institution Health Overall Score: 4 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 Bank & Trust Company had $4.34 million in non-current loans and owned real-estate with $29.65 million in equity and loan loss allowances on hand to cover it. This gives Bank & Trust Company a Texas Ratio of 14.64% 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 Bank & Trust Company held steady from 14.09% as of December 31, 2010 to 14.64% as of December 31, 2011, resulting in a negative change of 3.95%. This indicates that the balance sheet and financial strength for Bank & Trust Company has held steady in recent periods. Deposit Growth In the past year, Bank & Trust Company has increased its total deposits by $3.44 million, resulting in 1.53% 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 Bank & Trust Company has shown is above 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. Bank & Trust Company has $258.44 million in assets with $29.65 million in equity, resulting in a capitalization level of 11.47%, which is above average.

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