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 38^th largest bank in the state of Illinois. It is also the 611^st largest bank in the nation. It was established in 1977 and as of December of 2012, it had grown to 248 employees at 13 locations. Inland Bank & Trust has a 1-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
0.10%	$100k	-	Premier Interest Checking
0.05%	-	-	Interest Checking
0.05%	$1k	-	Premier Interest Business
0.05%	-	-	Health Savings Account

Inland Bank & Trust Savings Account Rates

Apy	Min	Max	Product
0.10%	-	-	Simply Savings
0.10%	-	-	Young Banker Savings
0.10%	-	-	IRA Savings

Inland Bank & Trust Money Market Rates

Apy	Min	Max	Product
0.25%	$1m	-	Premier Money Market
0.25%	$1m	-	Premier Business MMDA

Inland Bank & Trust CD Rates

Apy	Min	Max	Product
1.31%	$10k	-	60 Month Loyalty CD
1.26%	$10k	-	60 Month CD
1.11%	$10k	-	48 Month Loyalty CD
1.06%	$10k	-	48 Month CD
0.85%	$10k	-	36 Month Loyalty CD
0.80%	$10k	-	36 Month CD
0.60%	$10k	-	24 Month Loyalty CD
0.55%	$1k	-	24 Month CD
0.40%	$1k	-	18 Month CD
0.35%	$1k	-	12 Month CD
0.20%	$1k	-	6 Month CD
0.15%	$1k	-	3 Month CD

Rates updated: 5/21/2013

Data for Q4 2012

Institution Statistics

INLAND BANK & TRUST
FDIC Certificate #	22444
BankRate Report	View
Year Established	1977
Employees	248
Primary Regulator	FDIC
Assets and Liabilities
Assets	$1.09 billion
Loans	$656.14 million
Deposits	$1.01 billion
Equity Capital	$68.64 million
Loan Loss Allowance	$23.02 million
Unbacked Noncurrent Loans	$78.70 million
Real Estate Owned	$31.88 million
Historic Data - December 2011
Assets	$1.24 billion
Equity Capital	$105.55 million
Loan Loss Allowance	$25.97 million
Unbacked Noncurrent Loans	$92.98 million
Real Estate Owned	$31.45 million
Profit Margin - Quarterly
Net Interest Margin	3.68%
Return on Assets	-3.4%
Return on Equity	-43.11%
Interest Income	$48.67 million

Institution Health

Overall Score:

1 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, 2012 Inland Bank & Trust had $110.59 million in non-current loans and owned real-estate with $91.66 million in equity and loan loss allowances on hand to cover it. This gives Inland Bank & Trust a Texas Ratio of 120.65% 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 94.61% as of December 31, 2011 to 120.65% as of December 31, 2012, resulting in a negative change of 27.53%. 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 decreased its total deposits by -$84.78 million, resulting in -7.77% 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 poor.
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 $1.09 billion in assets with $91.66 million in equity, resulting in a capitalization level of 8.39%, which is average.