Northbrook Bank and Trust Company

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 412^st largest bank in the nation. It was established in 2000 and as of March of 2013, it had grown to 158 employees at 15 locations. Northbrook Bank and Trust Company has a 2-star health rating.

Data for Q1 2013

Institution Statistics Northbrook Bank and Trust Company FDIC Certificate # 57082 BankRate Report View Year Established 2000 Employees 158 Primary Regulator FED Assets and Liabilities Assets $1.68 billion Loans $1.18 billion Deposits $1.40 billion Equity Capital $144.15 million Loan Loss Allowance $12.67 million Unbacked Noncurrent Loans $53.65 million Real Estate Owned $2.88 million Historic Data - March 2012 Assets $1.78 billion Equity Capital $159.42 million Loan Loss Allowance $14.06 million Unbacked Noncurrent Loans $8.57 million Real Estate Owned $4.65 million Profit Margin - Quarterly Net Interest Margin 4.24% Return on Assets 1.28% Return on Equity 14.91% Interest Income $16.74 million

Institution Health Overall Score: 2 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, 2013 Northbrook Bank and Trust Company had $56.53 million in non-current loans and owned real-estate with $156.81 million in equity and loan loss allowances on hand to cover it. This gives Northbrook Bank and Trust Company a Texas Ratio of 36.05% which is below average. 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 increased slightly from 7.62% as of March 31, 2012 to 36.05% as of March 31, 2013, resulting in a negative change of 373.11%. This indicates that the balance sheet and financial strength for Northbrook Bank and Trust Company has declined slightly in recent periods. Deposit Growth In the past year, Northbrook Bank and Trust Company has decreased its total deposits by -$44.83 million, resulting in -3.1% 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 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 $1.68 billion in assets with $156.81 million in equity, resulting in a capitalization level of 9.36%, which is average.

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