Barrington Bank & Trust Company, National Association

Barrington Bank & Trust Company, National Association is headquartered in Barrington and is the 30^th largest bank in the state of Illinois. It is also the 514^st largest bank in the nation. It was established in 1996 and as of December of 2011, it had grown to 661 employees at 5 locations. Barrington Bank & Trust Company, National Association has a 4-star health rating.

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Data for Q4 2011

Institution Statistics Barrington Bank & Trust Company, National Association FDIC Certificate # 34395 BankRate Report View Year Established 1996 Employees 661 Primary Regulator OCC Assets and Liabilities Assets $1.28 billion Loans $1.02 billion Deposits $924.22 million Equity Capital $138.95 million Loan Loss Allowance $6.75 million Unbacked Noncurrent Loans $8.84 million Real Estate Owned $20.65 million Historic Data - December 2010 Assets $1.18 billion Equity Capital $119.28 million Loan Loss Allowance $7.64 million Unbacked Noncurrent Loans $18.75 million Real Estate Owned $16.36 million Profit Margin - Quarterly Net Interest Margin 3.55% Return on Assets 0.67% Return on Equity 6.33% Interest Income $44.62 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 Barrington Bank & Trust Company, National Association had $29.49 million in non-current loans and owned real-estate with $145.7 million in equity and loan loss allowances on hand to cover it. This gives Barrington Bank & Trust Company, National Association a Texas Ratio of 20.24% 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 Barrington Bank & Trust Company, National Association decreased slightly from 27.67% as of December 31, 2010 to 20.24% as of December 31, 2011, resulting in a positive change of 26.83%.This indicates that the balance sheet and financial strength for Barrington Bank & Trust Company, National Association has improved slightly in recent periods. Deposit Growth In the past year, Barrington Bank & Trust Company, National Association has decreased its total deposits by -$4.49 million, resulting in -0.48% 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 Barrington Bank & 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. Barrington Bank & Trust Company, National Association has $1.28 billion in assets with $145.7 million in equity, resulting in a capitalization level of 11.36%, which is above average.

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