Beverly Bank & Trust Company, National Association

Beverly Bank & Trust Company, National Association is headquartered in Chicago and is the 110^st largest bank in the state of Illinois. It is also the 1,730^th largest bank in the nation. It was established in 2004 and as of December of 2011, it had grown to 54 employees at 1 location. Beverly Bank & Trust Company, National Association has a 5-star health rating.

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Data for Q4 2011

Institution Statistics Beverly Bank & Trust Company, National Association FDIC Certificate # 57701 BankRate Report View Year Established 2004 Employees 54 Primary Regulator OCC Assets and Liabilities Assets $382.57 million Loans $318.28 million Deposits $343.50 million Equity Capital $37.68 million Loan Loss Allowance $2.87 million Unbacked Noncurrent Loans $1.98 million Real Estate Owned $179,000 Historic Data - December 2010 Assets $355.95 million Equity Capital $35.32 million Loan Loss Allowance $2.61 million Unbacked Noncurrent Loans $2.75 million Profit Margin - Quarterly Net Interest Margin 3.79% Return on Assets 0.61% Return on Equity 6.27% Interest Income $15.96 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 Beverly Bank & Trust Company, National Association had $2.15 million in non-current loans and owned real-estate with $40.54 million in equity and loan loss allowances on hand to cover it. This gives Beverly Bank & Trust Company, National Association a Texas Ratio of 5.32% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Beverly Bank & Trust Company, National Association decreased slightly from 7.25% as of December 31, 2010 to 5.32% as of December 31, 2011, resulting in a positive change of 26.72%.This indicates that the balance sheet and financial strength for Beverly Bank & Trust Company, National Association has improved slightly in recent periods. Deposit Growth In the past year, Beverly Bank & Trust Company, National Association has increased its total deposits by $25.77 million, resulting in 8.11% 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 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 $382.57 million in assets with $40.54 million in equity, resulting in a capitalization level of 10.60%, which is above average.

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