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Overview / Commentary
847-418-2800
1100 Waukegan Road
Northbrook, IL 60062

Northbrook Bank and Trust Company is headquartered in Northbrook and is the 21st largest bank in the state of Illinois. It is also the 437th largest bank in the nation. It was established in 2000 and as of March of 2014, it had grown to 152 employees at 16 locations. Northbrook Bank and Trust Company has a B health rating.

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Health

Data for Q1 2014

Institution Health

B

Texas Ratio

GRADE:
B

The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Northbrook Bank and Trust Company had $28.72 million in non-current loans and owned real-estate with $157.39 million in equity and loan loss allowances on hand to cover it. This gives Northbrook Bank and Trust Company a Texas Ratio of 18.25% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
A+

The Texas Ratio for Northbrook Bank and Trust Company decreased dramatically from 36.05% as of March 31, 2013 to 18.25% as of March 31, 2014, resulting in a positive change of 49.39%.This indicates that the balance sheet and financial strength for Northbrook Bank and Trust Company has improved dramatically in recent periods.

Deposit Growth

GRADE:
C-

In the past year, Northbrook Bank and Trust Company has decreased its total deposits by -$46.2 million, resulting in -3.29% 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 Northbrook Bank and Trust Company has shown is below average.

Capitalization

GRADE:
B

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 $1.62 billion in assets with $157.39 million in equity, resulting in a capitalization level of 9.74%, which is above average.

Institution Statistics

Overall
FDIC Certificate #57082
Year Established2000
Employees152
Primary RegulatorFED
Assets and Liabilities
Assets$1.62 billion
Loans$1.17 billion
Deposits$1.36 billion
Equity Capital$148.08 million
Loan Loss Allowance$9.31 million
Unbacked Noncurrent Loans$26.15 million
Real Estate Owned$2.57 million
Historic Data - March 2013
Assets$1.68 billion
Equity Capital$144.15 million
Loan Loss Allowance$12.67 million
Unbacked Noncurrent Loans$26.15 million
Real Estate Owned$2.88 million
Profit Margin - Quarterly
Net Interest Margin3.67%
Return on Assets1.04%
Return on Equity11.56%
Interest Income$14.35 million
Rates

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Locations

Northbrook Bank and Trust Company has 16 locations. Click to view all Northbrook Bank and Trust Company locations.