St. Charles Bank & Trust Company

St. Charles Bank & Trust Company is headquartered in Saint Charles and is the 68^th largest bank in the state of Illinois. It is also the 1,088^th largest bank in the nation. It was established in 1987 and as of March of 2012, it had grown to 76 employees at 5 locations. St. Charles Bank & Trust Company has a 4-star health rating.

Data for Q1 2012

Institution Statistics St. Charles Bank & Trust Company FDIC Certificate # 27052 BankRate Report View Year Established 1987 Employees 76 Primary Regulator FED Assets and Liabilities Assets $615.85 million Loans $481.72 million Deposits $532.29 million Equity Capital $64.90 million Loan Loss Allowance $2.98 million Unbacked Noncurrent Loans $6.49 million Real Estate Owned $8.15 million Historic Data - March 2011 Assets $345.11 million Equity Capital $40.02 million Loan Loss Allowance $2.53 million Unbacked Noncurrent Loans $4.78 million Real Estate Owned $1.54 million Profit Margin - Quarterly Net Interest Margin 4.81% Return on Assets 1.37% Return on Equity 13.14% Interest Income $7.14 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 St. Charles Bank & Trust Company had $14.64 million in non-current loans and owned real-estate with $67.88 million in equity and loan loss allowances on hand to cover it. This gives St. Charles Bank & Trust Company a Texas Ratio of 21.57% 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 St. Charles Bank & Trust Company increased slightly from 14.87% as of March 31, 2011 to 21.57% as of March 31, 2012, resulting in a negative change of 45.06%. This indicates that the balance sheet and financial strength for St. Charles Bank & Trust Company has declined slightly in recent periods. Deposit Growth In the past year, St. Charles Bank & Trust Company has increased its total deposits by $235.2 million, resulting in 79.17% 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 St. Charles Bank & Trust Company 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. St. Charles Bank & Trust Company has $615.85 million in assets with $67.88 million in equity, resulting in a capitalization level of 11.02%, which is above average.

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