Lindell Bank & Trust Company

6900 Clayton Avenue
St. Louis, MO 63139
314-645-7700
www.lindell-bank.com

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Lindell Bank & Trust Company is headquartered in St. Louis and is the 50^th largest bank in the state of Missouri. It is also the 1,381^st largest bank in the nation. It was established in 1923 and as of March of 2012, it had grown to 110 employees at 10 locations. Lindell Bank & Trust Company has a 5-star health rating.

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

Lindell Bank & Trust Company Checking Account Rates

	Apy	Min	Max	Product
	0.10%	$1k	-	NOW Checking Account

Lindell Bank & Trust Company Savings Account Rates

Apy	Min	Max	Product
0.40%	$150	-	Savings Account
0.40%	$150	-	Business Savings Account

Lindell Bank & Trust Company Money Market Rates

Apy	Min	Max	Product
0.40%	$50k	-	Money Market Account
0.40%	$50k	-	Business Money Market Account

Lindell Bank & Trust Company CD Rates

Apy	Min	Max	Product
1.30%	$2,500	-	60 Month CD
1.10%	$2,500	-	48 Month CD
0.95%	$5k	-	24 Month Relationship CD Special
0.95%	$5k	-	36 Month Relationship CD Special
0.85%	$10k	-	36 Month CD Special
0.85%	$5k	-	18 Month Relationship CD Special
0.65%	$5k	-	14 Month Relationship CD Special
0.60%	$2,500	-	36 Month CD
0.60%	$5k	-	7 Month Relationship CD Special
0.50%	$5k	-	7 Month CD Special
0.45%	$5k	-	14 Month CD Special
0.45%	$10k	-	24 Month CD Special
0.45%	$5k	-	18 Month CD
0.45%	$5k	-	21 Month CD
0.45%	$5k	-	30 Month CD
0.45%	$5k	-	11 Month Relationship CD Special
0.40%	$5k	-	13 Month CD
0.40%	$5k	-	20 Month CD
0.35%	$5k	-	19 Month CD
0.35%	$2,500	-	24 Month CD
0.30%	$5k	-	11 Month CD
0.30%	$2,500	-	12 Month CD
0.30%	$5k	-	14 Month CD
0.30%	$5k	-	15 Month CD
0.25%	$2,500	-	182 Day CD
0.15%	$2,500	-	30-89 Day CD
0.10%	$2,500	-	7-29 Day CD
0.10%	$2,500	-	90-181 Day CD
0.05%	$2,500	-	5 Month CD

Rates updated: 5/25/2012

Data for Q1 2012

Institution Statistics

Lindell Bank & Trust Company
FDIC Certificate #	1073
BankRate Report	View
Year Established	1923
Employees	110
Primary Regulator	FED
Assets and Liabilities
Assets	$491.10 million
Loans	$197.91 million
Deposits	$368.90 million
Equity Capital	$71.72 million
Loan Loss Allowance	$14.30 million
Unbacked Noncurrent Loans	$5.01 million
Real Estate Owned	$307,000
Historic Data - March 2011
Assets	$492.40 million
Equity Capital	$67.52 million
Loan Loss Allowance	$13.29 million
Unbacked Noncurrent Loans	$8.62 million
Real Estate Owned	$74,000
Profit Margin - Quarterly
Net Interest Margin	4.34%
Return on Assets	1.6%
Return on Equity	11.31%
Interest Income	$5.38 million

Institution Health

Overall Score:

5 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 Lindell Bank & Trust Company had $5.32 million in non-current loans and owned real-estate with $86.02 million in equity and loan loss allowances on hand to cover it. This gives Lindell Bank & Trust Company a Texas Ratio of 6.18% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for Lindell Bank & Trust Company decreased significantly from 10.76% as of March 31, 2011 to 6.18% as of March 31, 2012, resulting in a positive change of 42.55%.This indicates that the balance sheet and financial strength for Lindell Bank & Trust Company has improved significantly in recent periods.
Deposit Growth
In the past year, Lindell Bank & Trust Company has increased its total deposits by $4.69 million, resulting in 1.29% 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 Lindell 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. Lindell Bank & Trust Company has $491.1 million in assets with $86.02 million in equity, resulting in a capitalization level of 17.52%, which is excellent.

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