Old Town Bank & Trust

Old Town Bank & Trust is headquartered in Elk Grove Villag and is the 71^st largest bank in the state of Illinois. It is also the 1,080^th largest bank in the nation. It was established in 2001 and as of September of 2011, it had grown to 78 employees at 5 locations. Old Town Bank & Trust has a 3-star health rating.

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Data for Q3 2011

Institution Statistics Advantage National Bank FDIC Certificate # 57103 BankRate Report View Year Established 2001 Employees 78 Primary Regulator OCC Assets and Liabilities Assets $614.65 million Loans $382.83 million Deposits $501.42 million Equity Capital $67.96 million Loan Loss Allowance $4.46 million Unbacked Noncurrent Loans $23.53 million Real Estate Owned $19.17 million Historic Data - September 2010 Assets $500.39 million Equity Capital $59.35 million Loan Loss Allowance $4.48 million Unbacked Noncurrent Loans $1.88 million Real Estate Owned $1.06 million Profit Margin - Quarterly Net Interest Margin 3.51% Return on Assets 1.27% Return on Equity 11.74% Interest Income $16.83 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 September 30, 2011 Old Town Bank & Trust had $42.7 million in non-current loans and owned real-estate with $72.42 million in equity and loan loss allowances on hand to cover it. This gives Old Town Bank & Trust a Texas Ratio of 58.97% 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 Town Bank & Trust increased slightly from 4.61% as of September 30, 2010 to 58.97% as of September 30, 2011, resulting in a negative change of 1,179.83%. This indicates that the balance sheet and financial strength for Old Town Bank & Trust has declined slightly in recent periods. Deposit Growth In the past year, Old Town Bank & Trust has increased its total deposits by $100.83 million, resulting in 25.17% 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 Town Bank & Trust 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. Old Town Bank & Trust has $614.65 million in assets with $72.42 million in equity, resulting in a capitalization level of 11.78%, which is above average.

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