Oxford Bank & Trust

Oxford Bank & Trust is headquartered in Oak Brook and is the 88^th largest bank in the state of Illinois. It is also the 1,409^th largest bank in the nation. It was established in 1902 and as of March of 2012, it had grown to 118 employees at 8 locations. Oxford Bank & Trust has a 1-star health rating.

Data for Q1 2012

Institution Statistics Oxford Bank & Trust FDIC Certificate # 9260 BankRate Report View Year Established 1902 Employees 118 Primary Regulator FDIC Assets and Liabilities Assets $478.67 million Loans $304.76 million Deposits $437.12 million Equity Capital $40.19 million Loan Loss Allowance $6.85 million Unbacked Noncurrent Loans $20.70 million Real Estate Owned $35.36 million Historic Data - March 2011 Assets $567.21 million Equity Capital $48.32 million Loan Loss Allowance $6.91 million Unbacked Noncurrent Loans $31.70 million Real Estate Owned $38.20 million Profit Margin - Quarterly Net Interest Margin 3.75% Return on Assets -0.75% Return on Equity -8.87% Interest Income $4.42 million

Institution Health Overall Score: 1 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 Oxford Bank & Trust had $56.06 million in non-current loans and owned real-estate with $47.04 million in equity and loan loss allowances on hand to cover it. This gives Oxford Bank & Trust a Texas Ratio of 119.18% which is poor. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Oxford Bank & Trust held steady from 126.58% as of March 31, 2011 to 119.18% as of March 31, 2012, resulting in a positive change of 5.85%.This indicates that the balance sheet and financial strength for Oxford Bank & Trust has held steady in recent periods. Deposit Growth In the past year, Oxford Bank & Trust has decreased its total deposits by -$79.82 million, resulting in -15.44% 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 Oxford Bank & Trust has shown is poor. 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. Oxford Bank & Trust has $478.67 million in assets with $47.04 million in equity, resulting in a capitalization level of 9.83%, which is average.

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