Quad City Bank and Trust Company

Quad City Bank and Trust Company is headquartered in Bettendorf and is the 11^st largest bank in the state of Iowa. It is also the 586^th largest bank in the nation. It was established in 1994 and as of March of 2012, it had grown to 193 employees at 5 locations. Quad City Bank and Trust Company has a 4-star health rating.

Quad City Bank and Trust Company IRA Rates

Data for Q1 2012

Institution Statistics Quad City Bank and Trust Company FDIC Certificate # 33867 BankRate Report View Year Established 1994 Employees 193 Primary Regulator FED Assets and Liabilities Assets $1.12 billion Loans $628.71 million Deposits $689.53 million Equity Capital $96.55 million Loan Loss Allowance $8.19 million Unbacked Noncurrent Loans $9.57 million Real Estate Owned $4.75 million Historic Data - March 2011 Assets $1.05 billion Equity Capital $87.14 million Loan Loss Allowance $9.10 million Unbacked Noncurrent Loans $12.04 million Real Estate Owned $4.82 million Profit Margin - Quarterly Net Interest Margin 3.24% Return on Assets 1.03% Return on Equity 12.15% Interest Income $10.74 million

Institution Health Overall Score: 4 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 Quad City Bank and Trust Company had $14.32 million in non-current loans and owned real-estate with $104.74 million in equity and loan loss allowances on hand to cover it. This gives Quad City Bank and Trust Company a Texas Ratio of 13.67% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Quad City Bank and Trust Company decreased slightly from 18.81% as of March 31, 2011 to 13.67% as of March 31, 2012, resulting in a positive change of 27.33%.This indicates that the balance sheet and financial strength for Quad City Bank and Trust Company has improved slightly in recent periods. Deposit Growth In the past year, Quad City Bank and Trust Company has increased its total deposits by $30.8 million, resulting in 4.68% 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 Quad City Bank and Trust Company has shown is above 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. Quad City Bank and Trust Company has $1.12 billion in assets with $104.74 million in equity, resulting in a capitalization level of 9.32%, which is average.

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