Municipal Trust and Savings Bank

Municipal Trust and Savings Bank is headquartered in Bourbonnais and is the 160^th largest bank in the state of Illinois. It is also the 2,446^th largest bank in the nation. It was established in 1981 and as of March of 2012, it had grown to 49 employees at 3 locations. Municipal Trust and Savings Bank has a 5-star health rating.

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Data for Q1 2012

Institution Statistics Municipal Trust and Savings Bank FDIC Certificate # 23546 BankRate Report View Year Established 1981 Employees 49 Primary Regulator FDIC Assets and Liabilities Assets $263.97 million Loans $137.93 million Deposits $202.54 million Equity Capital $54.37 million Loan Loss Allowance $2.67 million Unbacked Noncurrent Loans $2.94 million Real Estate Owned $5.32 million Historic Data - March 2011 Assets $267.31 million Equity Capital $54.50 million Loan Loss Allowance $3.00 million Unbacked Noncurrent Loans $5.46 million Real Estate Owned $4.49 million Profit Margin - Quarterly Net Interest Margin 2.9% Return on Assets 1.6% Return on Equity 7.65% Interest Income $2.13 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 Municipal Trust and Savings Bank had $8.27 million in non-current loans and owned real-estate with $57.04 million in equity and loan loss allowances on hand to cover it. This gives Municipal Trust and Savings Bank a Texas Ratio of 14.49% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Municipal Trust and Savings Bank decreased slightly from 17.31% as of March 31, 2011 to 14.49% as of March 31, 2012, resulting in a positive change of 16.26%.This indicates that the balance sheet and financial strength for Municipal Trust and Savings Bank has improved slightly in recent periods. Deposit Growth In the past year, Municipal Trust and Savings Bank has increased its total deposits by $3.57 million, resulting in 1.8% 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 Municipal Trust and Savings Bank 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. Municipal Trust and Savings Bank has $263.97 million in assets with $57.04 million in equity, resulting in a capitalization level of 21.61%, which is excellent.

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