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630-323-4404
25 East First Street
Hinsdale, IL 60521

Hinsdale Bank & Trust Company is headquartered in Hinsdale and is the 22nd largest bank in the state of Illinois. It is also the 439th largest bank in the nation. It was established in 1993 and as of March of 2014, it had grown to 172 employees at 11 locations. Hinsdale Bank & Trust Company has a A+ health rating.

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Health

Data for Q1 2014

Institution Health

A+

Texas Ratio

GRADE:
A+

The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Hinsdale Bank & Trust Company had $11.65 million in non-current loans and owned real-estate with $209.87 million in equity and loan loss allowances on hand to cover it. This gives Hinsdale Bank & Trust Company a Texas Ratio of 5.55% 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 Hinsdale Bank & Trust Company decreased dramatically from 11.46% as of March 31, 2013 to 5.55% as of March 31, 2014, resulting in a positive change of 51.58%.This indicates that the balance sheet and financial strength for Hinsdale Bank & Trust Company has improved dramatically in recent periods.

Deposit Growth

GRADE:
B+

In the past year, Hinsdale Bank & Trust Company has increased its total deposits by $22.7 million, resulting in 1.8% 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 above average.

Capitalization

GRADE:
A+

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 $1.61 billion in assets with $209.87 million in equity, resulting in a capitalization level of 13.06%, which is excellent.

Institution Statistics

Overall
FDIC Certificate #33849
Year Established1993
Employees172
Primary RegulatorFED
Assets and Liabilities
Assets$1.61 billion
Loans$1.19 billion
Deposits$1.29 billion
Equity Capital$202.31 million
Loan Loss Allowance$7.57 million
Unbacked Noncurrent Loans$8.58 million
Real Estate Owned$3.06 million
Historic Data - March 2013
Assets$1.59 billion
Equity Capital$198.59 million
Loan Loss Allowance$10.53 million
Unbacked Noncurrent Loans$8.58 million
Real Estate Owned$2.14 million
Profit Margin - Quarterly
Net Interest Margin3.53%
Return on Assets0.79%
Return on Equity6.36%
Interest Income$14.06 million
Rates

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Locations


Hinsdale Bank & Trust Company Locations
The Community Bank Of Western Spring1000 Hillgrove AvenueWestern Springs, IL 60558
Community Bank Of Downers Grove Bran1111 Warren AvenueDowners Grove, IL 60515
West Chestnut Drive-Up130 West ChestnutHinsdale, IL 60521
Riverside Bank Branch17 East Burlington StreetRiverside, IL 60546
Clarendon Hills Bank Branch200 West BurlingtonClarendon Hills, IL 60514
Thecdbank.com Branch25 East First StreetHinsdale, IL 60521
Hinsdale Bank & Trust Company25 East First StreetHinsdale, IL 60521
Plymouth Place Branch315 N. Lagrange Rd.LA Grange, IL 60525
Community Bank Of Willowbrook6262 South Route 83Willowbrook, IL 60527
Downers Grove Branch718 Odgen AvenueDowners Grove, IL 60515