Hinsdale Bank & Trust Company

Hinsdale Bank & Trust Company is headquartered in Hinsdale and is the 23^rd largest bank in the state of Illinois. It is also the 433^rd largest bank in the nation. It was established in 1993 and as of March of 2012, it had grown to 185 employees at 12 locations. Hinsdale Bank & Trust Company has a 5-star health rating.

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Data for Q1 2012

Institution Statistics Hinsdale Bank & Trust Company FDIC Certificate # 33849 BankRate Report View Year Established 1993 Employees 185 Primary Regulator FED Assets and Liabilities Assets $1.54 billion Loans $1.12 billion Deposits $1.19 billion Equity Capital $198.82 million Loan Loss Allowance $10.51 million Unbacked Noncurrent Loans $13.04 million Real Estate Owned $4.59 million Historic Data - March 2011 Assets $1.42 billion Equity Capital $192.13 million Loan Loss Allowance $13.12 million Unbacked Noncurrent Loans $21.01 million Real Estate Owned $8.55 million Profit Margin - Quarterly Net Interest Margin 3.67% Return on Assets 0.37% Return on Equity 2.89% Interest Income $14.53 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 March 31, 2012 Hinsdale Bank & Trust Company had $17.63 million in non-current loans and owned real-estate with $209.33 million in equity and loan loss allowances on hand to cover it. This gives Hinsdale Bank & Trust Company a Texas Ratio of 8.42% 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 Hinsdale Bank & Trust Company decreased significantly from 14.40% as of March 31, 2011 to 8.42% as of March 31, 2012, resulting in a positive change of 41.51%.This indicates that the balance sheet and financial strength for Hinsdale Bank & Trust Company has improved significantly in recent periods. Deposit Growth In the past year, Hinsdale Bank & Trust Company has increased its total deposits by $82.44 million, resulting in 7.46% 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 Hinsdale Bank & Trust Company 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. Hinsdale Bank & Trust Company has $1.54 billion in assets with $209.33 million in equity, resulting in a capitalization level of 13.58%, which is excellent.

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