Marine Bank and Trust

Marine Bank and Trust is headquartered in Carthage and is the 188^th largest bank in the state of Illinois. It is also the 2,777^th largest bank in the nation. It was established in 1920 and as of March of 2012, it had grown to 41 employees at 3 locations. Marine Bank and Trust has a 5-star health rating.

Data for Q1 2012

Institution Statistics Marine Bank and Trust FDIC Certificate # 11685 BankRate Report View Year Established 1920 Employees 41 Primary Regulator FDIC Assets and Liabilities Assets $229.68 million Loans $132.37 million Deposits $179.23 million Equity Capital $28.90 million Loan Loss Allowance $490,000 Unbacked Noncurrent Loans $992,000 Real Estate Owned $412,000 Historic Data - March 2011 Assets $215.79 million Equity Capital $21.10 million Loan Loss Allowance $379,000 Unbacked Noncurrent Loans $881,000 Real Estate Owned $281,000 Profit Margin - Quarterly Net Interest Margin 3.52% Return on Assets 1.58% Return on Equity 12.92% Interest Income $2.27 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 Marine Bank and Trust had $1.4 million in non-current loans and owned real-estate with $29.39 million in equity and loan loss allowances on hand to cover it. This gives Marine Bank and Trust a Texas Ratio of 4.78% 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 Marine Bank and Trust decreased significantly from 8.12% as of March 31, 2011 to 4.78% as of March 31, 2012, resulting in a positive change of 41.19%.This indicates that the balance sheet and financial strength for Marine Bank and Trust has improved significantly in recent periods. Deposit Growth In the past year, Marine Bank and Trust has decreased its total deposits by $-320,000, resulting in -0.18% 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 Marine Bank and Trust has shown is 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. Marine Bank and Trust has $229.68 million in assets with $29.39 million in equity, resulting in a capitalization level of 12.80%, which is excellent.

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