Inland Bank & Trust

2805 Butterfield Road
Oak Brook, IL 60523
708-579-4300
www.inlandbank.com

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Inland Bank & Trust is headquartered in Oak Brook and is the 29^th largest bank in the state of Illinois. It is also the 528^th largest bank in the nation. It was established in 1977 and as of March of 2012, it had grown to 214 employees at 13 locations. Inland Bank & Trust has a 3-star health rating.

Competitive Long-Term CD Rates At Inland Bank In IL (Forum) - 8/15/2010

Inland Banks has a few competitive CD rates. Most are longer-term CDs. The best ones as of 8/15/2010 include: 3.00% APY 60-month CD 2.50% APY 48-month CD 2.10% APY 36-month CD Minimum deposit is $10,000. Lower rates are available for a $1,000 minim

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See Rates for: Checking | Savings | Money Market | CD

Inland Bank & Trust Checking Account Rates

Apy	Min	Max	Product
0.20%	$100k	-	Premier Interest Checking
0.10%	$1k	-	Premier Interest Business
0.05%	-	-	Interest Checking
0.05%	-	-	Health Savings Account

Inland Bank & Trust Savings Account Rates

Apy	Min	Max	Product
0.20%	-	-	Simply Savings
0.20%	-	-	Young Banker Savings
0.20%	-	-	IRA Savings

Inland Bank & Trust Money Market Rates

Apy	Min	Max	Product
0.45%	$1m	-	Premier Money Market
0.45%	$1m	-	Premier Business MMDA

Inland Bank & Trust CD Rates

Apy	Min	Max	Product
1.50%	$10k	-	60 Month CD
1.50%	$10k	-	60 Month CD Special
1.30%	$10k	-	48 Month CD
1.10%	$10k	-	36 Month CD
0.90%	$10k	-	24 Month CD
0.80%	$10k	-	20 Month CD Special
0.70%	$10k	-	18 Month CD
0.60%	$10k	-	12 Month CD
0.25%	$1k	-	6 Month CD
0.20%	$1k	-	3 Month CD

Rates updated: 5/25/2012

Data for Q1 2012

Institution Statistics

INLAND BANK & TRUST
FDIC Certificate #	22444
BankRate Report	View
Year Established	1977
Employees	214
Primary Regulator	FDIC
Assets and Liabilities
Assets	$1.25 billion
Loans	$734.26 million
Deposits	$1.06 billion
Equity Capital	$159.57 million
Loan Loss Allowance	$25.91 million
Unbacked Noncurrent Loans	$125.92 million
Real Estate Owned	$33.17 million
Historic Data - March 2011
Assets	$1.19 billion
Equity Capital	$152.54 million
Loan Loss Allowance	$23.28 million
Unbacked Noncurrent Loans	$107.38 million
Real Estate Owned	$16.65 million
Profit Margin - Quarterly
Net Interest Margin	3.81%
Return on Assets	0.37%
Return on Equity	2.95%
Interest Income	$13.04 million

Institution Health

Overall Score:

3 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 Inland Bank & Trust had $159.08 million in non-current loans and owned real-estate with $185.48 million in equity and loan loss allowances on hand to cover it. This gives Inland Bank & Trust a Texas Ratio of 85.77% which is poor. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for Inland Bank & Trust increased slightly from 70.55% as of March 31, 2011 to 85.77% as of March 31, 2012, resulting in a negative change of 21.58%. This indicates that the balance sheet and financial strength for Inland Bank & Trust has declined slightly in recent periods.
Deposit Growth
In the past year, Inland Bank & Trust has increased its total deposits by $68.42 million, resulting in 6.91% 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 Inland 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. Inland Bank & Trust has $1.25 billion in assets with $185.48 million in equity, resulting in a capitalization level of 14.79%, which is excellent.