Old Second National Bank

Old Second National Bank is headquartered in Aurora and is the 16^st largest bank in the state of Illinois. It is also the 346^th largest bank in the nation. It was established in 1887 and as of December of 2012, it had grown to 481 employees at 27 locations. Old Second National Bank has a 3-star health rating.

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Data for Q4 2012

Institution Statistics Old Second National Bank FDIC Certificate # 3603 BankRate Report View Year Established 1887 Employees 481 Primary Regulator OCC Assets and Liabilities Assets $2.04 billion Loans $1.12 billion Deposits $1.72 billion Equity Capital $191.24 million Loan Loss Allowance $38.60 million Unbacked Noncurrent Loans $77.61 million Real Estate Owned $72.42 million Historic Data - December 2011 Assets $1.94 billion Equity Capital $182.31 million Loan Loss Allowance $52.00 million Unbacked Noncurrent Loans $127.10 million Real Estate Owned $93.29 million Profit Margin - Quarterly Net Interest Margin 3.85% Return on Assets 0.33% Return on Equity 3.54% Interest Income $74.93 million

Institution Health Overall Score: 3 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 December 31, 2012 Old Second National Bank had $150.03 million in non-current loans and owned real-estate with $229.83 million in equity and loan loss allowances on hand to cover it. This gives Old Second National Bank a Texas Ratio of 65.28% 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 Old Second National Bank decreased slightly from 94.06% as of December 31, 2011 to 65.28% as of December 31, 2012, resulting in a positive change of 30.60%.This indicates that the balance sheet and financial strength for Old Second National Bank has improved slightly in recent periods. Deposit Growth In the past year, Old Second National Bank has decreased its total deposits by -$20.04 million, resulting in -1.15% 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 Old Second National Bank 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. Old Second National Bank has $2.04 billion in assets with $229.83 million in equity, resulting in a capitalization level of 11.25%, which is above average.

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