Rockford Bank & Trust

Rockford Bank & Trust is headquartered in Rockford and is the 147^th largest bank in the state of Illinois. It is also the 2,244^th largest bank in the nation. It was established in 2005 and as of September of 2011, it had grown to 54 employees at 2 locations. Rockford Bank & Trust has a 4-star health rating.

Rockford Bank & Trust Routing Number: 071926391

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Data for Q3 2011

Institution Statistics Rockford Bank and Trust Company FDIC Certificate # 57927 BankRate Report View Year Established 2005 Employees 54 Primary Regulator FED Assets and Liabilities Assets $287.57 million Loans $222.41 million Deposits $208.67 million Equity Capital $33.01 million Loan Loss Allowance $3.81 million Unbacked Noncurrent Loans $7.37 million Real Estate Owned $3.47 million Historic Data - September 2010 Assets $274.91 million Equity Capital $31.40 million Loan Loss Allowance $3.09 million Unbacked Noncurrent Loans $4.60 million Real Estate Owned $4.45 million Profit Margin - Quarterly Net Interest Margin 3.5% Return on Assets 0.02% Return on Equity 0.2% Interest Income $9.26 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 September 30, 2011 Rockford Bank & Trust had $10.84 million in non-current loans and owned real-estate with $36.82 million in equity and loan loss allowances on hand to cover it. This gives Rockford Bank & Trust a Texas Ratio of 29.43% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Rockford Bank & Trust held steady from 26.25% as of September 30, 2010 to 29.43% as of September 30, 2011, resulting in a negative change of 12.09%. This indicates that the balance sheet and financial strength for Rockford Bank & Trust has held steady in recent periods. Deposit Growth In the past year, Rockford Bank & Trust has increased its total deposits by $12.38 million, resulting in 6.31% 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 Rockford 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. Rockford Bank & Trust has $287.57 million in assets with $36.82 million in equity, resulting in a capitalization level of 12.80%, which is excellent.

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