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Overview / Commentary
773-239-2265
1908 West 103rd Street
Chicago, IL 60643

Beverly Bank & Trust Company, National Association is headquartered in Chicago and is the 55th largest bank in the state of Illinois. It is also the 880th largest bank in the nation. It was established in 2004 and as of December of 2013, it had grown to 113 employees at 5 locations. Beverly Bank & Trust Company, National Association has a A+ health rating.

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Health

Data for Q4 2013

Institution Health

A+

Texas Ratio

GRADE:
A+

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, 2013 Beverly Bank & Trust Company, National Association had $5.11 million in non-current loans and owned real-estate with $78.13 million in equity and loan loss allowances on hand to cover it. This gives Beverly Bank & Trust Company, National Association a Texas Ratio of 6.54% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
A

The Texas Ratio for Beverly Bank & Trust Company, National Association decreased dramatically from 10.63% as of December 31, 2012 to 6.54% as of December 31, 2013, resulting in a positive change of 38.42%.This indicates that the balance sheet and financial strength for Beverly Bank & Trust Company, National Association has improved dramatically in recent periods.

Deposit Growth

GRADE:
A+

In the past year, Beverly Bank & Trust Company, National Association has increased its total deposits by $44.54 million, resulting in 7.11% 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 Beverly Bank & Trust Company, National Association has shown is excellent.

Capitalization

GRADE:
B+

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. Beverly Bank & Trust Company, National Association has $766.53 million in assets with $78.13 million in equity, resulting in a capitalization level of 10.19%, which is above average.

Institution Statistics

Overall
FDIC Certificate #57701
Year Established2004
Employees113
Primary RegulatorOCC
Assets and Liabilities
Assets$766.53 million
Loans$557.30 million
Deposits$670.89 million
Equity Capital$75.78 million
Loan Loss Allowance$2.35 million
Unbacked Noncurrent Loans$3.77 million
Real Estate Owned$1.35 million
Historic Data - December 2012
Assets$713.60 million
Equity Capital$75.59 million
Loan Loss Allowance$2.55 million
Unbacked Noncurrent Loans$3.77 million
Real Estate Owned$3.96 million
Profit Margin - Quarterly
Net Interest Margin4.18%
Return on Assets0.92%
Return on Equity8.91%
Interest Income$29.98 million
Rates

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Beverly Bank & Trust Company, National Association Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.25%$50k-Savings Account
0.20%--Junior Savers Club

Beverly Bank & Trust Company, National Association Money Market Rates

DetailsAPYMINMAXPRODUCT
0.30%$50k-Money Market Account

Beverly Bank & Trust Company, National Association Checking Account Rates

DetailsAPYMINMAXPRODUCT
0.10%$25k$50kNow Account

Beverly Bank & Trust Company, National Association CD Rates

DetailsAPYMINMAXPRODUCT
0.90%$1k-60 Month Fixed Rate CD
0.65%$1k-48 Month Fixed Rate CD
0.55%$1k-36 Month Fixed Rate CD
0.45%$1k-30 Month Fixed Rate CD
0.40%$1k-24 Month Fixed Rate CD
0.35%$1k-18 Month Fixed Rate CD
0.30%$1k-12 Month Fixed Rate CD
0.20%$1k-9 Month Fixed Rate CD
0.15%$1k-6 Month Fixed Rate CD
0.05%$1k-3 Month Fixed Rate CD
Locations


Beverly Bank & Trust Company, National Association Locations
57th Street Branch1311 East 57th StreetChicago, IL 60615
1525 East 53rd Street Branch1525 East 53rd StreetChicago, IL 60615
Beverly Bank & Trust Company Na Branch1908 W. 103rd StreetChicago, IL 60643
Beverly Bank & Trust Company, National Association1908 West 103rd StreetChicago, IL 60643
Pullman Bank & Trust Company Branch861 West 115th StreetChicago, IL 60628