Roselle Bank & Trust

1350 West Lake Street
Roselle, IL 60172
(630) 529-0100
www.rosellebankandtrust.com

Roselle Bank & Trust is headquartered in Elk Grove Villag and is the 71st largest bank in the state of Illinois. It is also the 1,080th 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. Roselle Bank & Trust has a 3-star health rating.



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See Rates for: Checking | Savings | Money Market | CD | IRA

Roselle Bank & Trust Checking Account Rates

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1.00%--IOLTA
0.25%$100k-SingleSolution Checking
0.10%$500-Interest Checking

Roselle Bank & Trust Savings Account Rates

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0.10%$200-Statement Savings
0.10%--Junior Savers Savings
0.10%$200-Business Savings

Roselle Bank & Trust Money Market Rates

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0.25%$100k-Money Market
0.25%--Business Money Market

Roselle Bank & Trust CD Rates

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0.80%$2,500-60 Month CD
0.80%$1k-Business 5 Year CD
0.70%$2,500-48 Month CD
0.70%$1k-Business 4 Year CD
0.60%$2,500-36 Month CD
0.60%$1k-Business 3 Year CD
0.55%$2,500-24 Month CD
0.55%$1k-Business 2 Year CD
0.50%$2,500-18 Month CD
0.50%$1k-Business 18 Month CD
0.40%$2,500-12 Month CD
0.40%$1k-Business 1 Year CD
0.12%$2,500-3 Month CD
0.12%$2,500-6 Month CD
0.12%$1k-Business 3 Month CD
0.12%$1k-Business 6 Month CD

Roselle Bank & Trust IRA Rates

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0.80%$500-60 Month IRA
0.70%$500-48 Month IRA
0.60%$500-36 Month IRA
0.55%$500-24 Month IRA
0.50%$500-18 Month IRA
0.40%$500-12 Month IRA
0.12%$500-3 Month IRA
0.12%$500-6 Month IRA

Rates updated: 2/11/2012

Data for Q3 2011


Institution Statistics


Advantage National Bank
FDIC Certificate #57103
BankRate ReportView
Year Established2001
Employees78
Primary RegulatorOCC

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 Margin3.51%
Return on Assets1.27%
Return on Equity11.74%
Interest Income$16.83 million

Institution Health


Overall Score:
3 out of 5
3
Texas Ratio2
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 Roselle 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 Roselle 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 Trend2
The Texas Ratio for Roselle 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 Roselle Bank & Trust has declined slightly in recent periods.
Deposit Growth5
In the past year, Roselle 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 Roselle Bank & Trust has shown is excellent.
Capitalization4
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. Roselle 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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