Northbrook Bank and Trust Company

Northbrook Bank and Trust Company Locations

1100 Waukegan Road
Northbrook, IL 60062
(847) 418-2800
www.northbrookbank.com

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Northbrook Bank and Trust Company is headquartered in Northbrook and is the 19^st largest bank in the state of Illinois. It is also the 385^th largest bank in the nation. It was established in 2000 and as of March of 2012, it had grown to 160 employees at 18 locations. Northbrook Bank and Trust Company has a 5-star health rating.

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

Northbrook Bank and Trust Company Checking Account Rates

Apy	Min	Max	Product
0.25%	$100k	-	Single Solution Checking
0.05%	$2,500	-	Now Account

Northbrook Bank and Trust Company Savings Account Rates

Apy	Min	Max	Product
0.15%	$50k	-	IRA Savings
0.10%	-	-	Junior Savers Club
0.05%	-	-	Passbook Savings Account
0.05%	-	-	Statement Savings Account

Northbrook Bank and Trust Company Money Market Rates

	Apy	Min	Max	Product
	0.25%	$75k	-	Super Money Market

Northbrook Bank and Trust Company CD Rates

Apy	Min	Max	Product
1.47%	$50k	-	60 Month Founder's/Platinum Preferred/Northbrook CD
1.35%	$50k	-	60 Month Fixed CD
1.08%	$50k	-	48 Month Founder's/Platinum Preferred/Northbrook CD
0.95%	$50k	-	48 Month Fixed CD
0.93%	$50k	-	36 Month Founder's/Platinum Preferred/Northbrook CD
0.80%	$50k	-	36 Month Fixed CD
0.78%	$50k	-	30 Month Founder's/Platinum Preferred/Northbrook CD
0.68%	$50k	-	24 Month Founder's/Platinum Preferred/Northbrook CD
0.65%	$50k	-	30 Month Fixed CD
0.63%	$50k	-	18 Month Founder's/Platinum Preferred/Northbrook CD
0.58%	$50k	-	15 Month Founder's/Platinum Preferred/Northbrook CD
0.55%	$50k	-	24 Month Fixed CD
0.50%	$50k	-	18 Month Fixed CD
0.48%	$50k	-	12 Month Founder's/Platinum Preferred/Northbrook CD
0.48%	$50k	-	13 Month Founder's/Platinum Preferred/Northbrook CD
0.45%	$50k	-	15 Month Fixed CD
0.35%	$50k	-	12 Month Fixed CD
0.35%	$50k	-	13 Month Fixed CD
0.35%	$50k	-	12 Month Variable CD
0.33%	$1k	-	9 Month Founder's/Platinum Preferred/Northbrook CD
0.28%	$1k	-	6 Month Founder's/Platinum Preferred/Northbrook CD
0.28%	$1k	-	7 Month Founder's/Platinum Preferred/Northbrook CD
0.23%	$1k	-	1 Month Founder's/Platinum Preferred/Northbrook CD
0.23%	$1k	-	3 Month Founder's/Platinum Preferred/Northbrook CD
0.20%	$1k	-	9 Month Fixed CD
0.15%	$1k	-	6 Month Fixed CD
0.15%	$1k	-	7 Month Fixed CD
0.10%	$1k	-	1 Month Fixed CD
0.10%	$1k	-	3 Month Fixed CD

Rates updated: 5/27/2012

Data for Q1 2012

Institution Statistics

Northbrook Bank and Trust Company
FDIC Certificate #	57082
BankRate Report	View
Year Established	2000
Employees	160
Primary Regulator	FED
Assets and Liabilities
Assets	$1.78 billion
Loans	$1.15 billion
Deposits	$1.45 billion
Equity Capital	$159.42 million
Loan Loss Allowance	$14.06 million
Unbacked Noncurrent Loans	$8.57 million
Real Estate Owned	$4.65 million
Historic Data - March 2011
Assets	$1.21 billion
Equity Capital	$92.13 million
Loan Loss Allowance	$8.88 million
Unbacked Noncurrent Loans	$3.49 million
Real Estate Owned	$6.70 million
Profit Margin - Quarterly
Net Interest Margin	5.09%
Return on Assets	0.83%
Return on Equity	9.7%
Interest Income	$20.26 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 Northbrook Bank and Trust Company had $13.22 million in non-current loans and owned real-estate with $173.48 million in equity and loan loss allowances on hand to cover it. This gives Northbrook Bank and Trust Company a Texas Ratio of 7.62% 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 Northbrook Bank and Trust Company decreased slightly from 10.08% as of March 31, 2011 to 7.62% as of March 31, 2012, resulting in a positive change of 24.39%.This indicates that the balance sheet and financial strength for Northbrook Bank and Trust Company has improved slightly in recent periods.
Deposit Growth
In the past year, Northbrook Bank and Trust Company has increased its total deposits by $379.44 million, resulting in 35.54% 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 Northbrook Bank and Trust Company has shown is excellent.
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. Northbrook Bank and Trust Company has $1.78 billion in assets with $173.48 million in equity, resulting in a capitalization level of 9.75%, which is average.

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