Itasca Bank & Trust Co.

308 W. Irving Park Road
Itasca, IL 60143
(630) 773-0350
www.itascabank.com

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Itasca Bank & Trust Co. is headquartered in Itasca and is the 95^th largest bank in the state of Illinois. It is also the 1,557^th largest bank in the nation. It was established in 1948 and as of March of 2012, it had grown to 94 employees at 2 locations. Itasca Bank & Trust Co. has a 3-star health rating.

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

Itasca Bank & Trust Co. Checking Account Rates

Apy	Min	Max	Product
0.05%	$10k	-	Super NOW Account
0.03%	$500	-	NOW Account

Itasca Bank & Trust Co. Savings Account Rates

Apy	Min	Max	Product
0.10%	-	-	IRA Savings
0.10%	-	-	SEP IRA Savings
0.05%	$200	-	Savings Account
0.05%	-	-	Minor Savings

Itasca Bank & Trust Co. Money Market Rates

	Apy	Min	Max	Product
	0.05%	$2,500	-	Money Market Account

Itasca Bank & Trust Co. CD Rates

Apy	Min	Max	Product
1.06%	$100k	-	60 Month Jumbo Certificate
1.01%	$1k	-	60 Month Certificate
0.50%	$100k	-	30 Month Jumbo Certificate
0.45%	$1k	-	30 Month Certificate
0.45%	$100k	-	18 Month Jumbo Certificate
0.45%	$100k	-	24 Month Jumbo Certificate
0.40%	$1k	-	18 Month Certificate
0.40%	$1k	-	24 Month Certificate
0.30%	$100k	-	12 Month Jumbo Certificate
0.30%	$100k	-	13 Month Jumbo Certificate
0.25%	$1k	-	12 Month Certificate
0.25%	$1k	-	13 Month Certificate
0.25%	$100k	-	9 Month Jumbo Certificate
0.20%	$1k	-	9 Month Certificate
0.20%	$100k	-	182 Day Jumbo Certificate
0.20%	$100k	-	7 Month Jumbo Certificate
0.15%	$1k	-	182 Day Certificate
0.15%	$1k	-	7 Month Certificate
0.10%	$1k	-	91 Day Certificate
0.10%	$100k	-	30 Day Jumbo Certificate
0.10%	$100k	-	60 Month Jumbo Certificate
0.10%	$100k	-	91 Day Jumbo Certificate

Itasca Bank & Trust Co. IRA Rates

Apy	Min	Max	Product
0.45%	$1k	-	18 Month Variable IRA Certificate
0.45%	$1k	-	18 Month Variable Education IRA Certificate
0.45%	$1k	-	18 Month Variable Roth IRA Certificate
0.45%	$1k	-	18 Month Variable SEP IRA Certificate
0.45%	$100k	-	18 Month Fixed Jumbo IRA Certificate
0.45%	$100k	-	18 Month Fixed Jumbo Roth IRA Certificate
0.45%	$100k	-	18 Month Fixed Jumbo SEP IRA Certificate
0.45%	$100k	-	18 Month Fixed Jumbo Education IRA Certificate
0.40%	$1k	-	18 Month Fixed IRA Certificate
0.40%	$1k	-	18 Month Fixed Education IRA Certificate
0.40%	$1k	-	18 Month Fixed Roth IRA Certificate
0.40%	$1k	-	18 Month Fixed SEP IRA Certificate

Rates updated: 5/25/2012

Data for Q1 2012

Institution Statistics

Itasca Bank & Trust Co.
FDIC Certificate #	16666
BankRate Report	View
Year Established	1948
Employees	94
Primary Regulator	FDIC
Assets and Liabilities
Assets	$427.99 million
Loans	$286.78 million
Deposits	$388.98 million
Equity Capital	$36.86 million
Loan Loss Allowance	$7.30 million
Unbacked Noncurrent Loans	$11.25 million
Real Estate Owned	$5.04 million
Historic Data - March 2011
Assets	$417.71 million
Equity Capital	$37.85 million
Loan Loss Allowance	$6.04 million
Unbacked Noncurrent Loans	$15.19 million
Real Estate Owned	$846,000
Profit Margin - Quarterly
Net Interest Margin	3.76%
Return on Assets	-1.03%
Return on Equity	-11.79%
Interest Income	$4.03 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 Itasca Bank & Trust Co. had $16.29 million in non-current loans and owned real-estate with $44.15 million in equity and loan loss allowances on hand to cover it. This gives Itasca Bank & Trust Co. a Texas Ratio of 36.90% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for Itasca Bank & Trust Co. held steady from 36.53% as of March 31, 2011 to 36.90% as of March 31, 2012, resulting in a negative change of 1.00%. This indicates that the balance sheet and financial strength for Itasca Bank & Trust Co. has held steady in recent periods.
Deposit Growth
In the past year, Itasca Bank & Trust Co. has increased its total deposits by $11.21 million, resulting in 2.97% 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 Itasca Bank & Trust Co. has shown is above average.
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. Itasca Bank & Trust Co. has $427.99 million in assets with $44.15 million in equity, resulting in a capitalization level of 10.32%, which is above average.

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