Burr Ridge Bank & Trust

Burr Ridge Bank & Trust is headquartered in Burr Ridge and is the 245^th largest bank in the state of Illinois. It is also the 3,571^st largest bank in the nation. It was established in 2009 and as of December of 2011, it had grown to 15 employees at 1 location. Burr Ridge Bank & Trust has a 4-star health rating.

Data for Q4 2011

Institution Statistics Burr Ridge Bank and Trust FDIC Certificate # 58846 BankRate Report View Year Established 2009 Employees 15 Primary Regulator FDIC Assets and Liabilities Assets $165.97 million Loans $122.55 million Deposits $143.97 million Equity Capital $19.86 million Loan Loss Allowance $3.12 million Unbacked Noncurrent Loans $3.56 million Historic Data - December 2010 Assets $150.94 million Equity Capital $18.17 million Loan Loss Allowance $2.54 million Unbacked Noncurrent Loans $295,000 Profit Margin - Quarterly Net Interest Margin 4.03% Return on Assets 0.79% Return on Equity 6.69% Interest Income $7.81 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 Burr Ridge Bank & Trust had $3.56 million in non-current loans and owned real-estate with $22.98 million in equity and loan loss allowances on hand to cover it. This gives Burr Ridge Bank & Trust a Texas Ratio of 15.51% 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 Burr Ridge Bank & Trust increased slightly from 1.42% as of December 31, 2010 to 15.51% as of December 31, 2011, resulting in a negative change of 988.89%. This indicates that the balance sheet and financial strength for Burr Ridge Bank & Trust has declined slightly in recent periods. Deposit Growth In the past year, Burr Ridge Bank & Trust has increased its total deposits by $12.72 million, resulting in 9.69% 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 Burr Ridge Bank & Trust 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. Burr Ridge Bank & Trust has $165.97 million in assets with $22.98 million in equity, resulting in a capitalization level of 13.84%, which is excellent.

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