Libertyville Bank & Trust Company

Libertyville Bank & Trust Company is headquartered in Libertyville and is the 33^rd largest bank in the state of Illinois. It is also the 566^th largest bank in the nation. It was established in 1995 and as of March of 2012, it had grown to 122 employees at 8 locations. Libertyville Bank & Trust Company has a 4-star health rating.

Libertyville Bank & Trust Company Routing Number: 071925567

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Data for Q1 2012

Institution Statistics Libertyville Bank & Trust Company FDIC Certificate # 34073 BankRate Report View Year Established 1995 Employees 122 Primary Regulator FED Assets and Liabilities Assets $1.16 billion Loans $887.08 million Deposits $967.35 million Equity Capital $101.84 million Loan Loss Allowance $10.70 million Unbacked Noncurrent Loans $12.68 million Real Estate Owned $5.42 million Historic Data - March 2011 Assets $1.15 billion Equity Capital $98.35 million Loan Loss Allowance $15.58 million Unbacked Noncurrent Loans $28.06 million Real Estate Owned $1.82 million Profit Margin - Quarterly Net Interest Margin 3.55% Return on Assets 0.7% Return on Equity 7.91% Interest Income $11.92 million

Institution Health Overall Score: 4 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 Libertyville Bank & Trust Company had $18.09 million in non-current loans and owned real-estate with $112.53 million in equity and loan loss allowances on hand to cover it. This gives Libertyville Bank & Trust Company a Texas Ratio of 16.08% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Libertyville Bank & Trust Company decreased slightly from 26.22% as of March 31, 2011 to 16.08% as of March 31, 2012, resulting in a positive change of 38.70%.This indicates that the balance sheet and financial strength for Libertyville Bank & Trust Company has improved slightly in recent periods. Deposit Growth In the past year, Libertyville Bank & Trust Company has increased its total deposits by $21.17 million, resulting in 2.24% 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 Libertyville Bank & Trust Company 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. Libertyville Bank & Trust Company has $1.16 billion in assets with $112.53 million in equity, resulting in a capitalization level of 9.71%, which is average.

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