The National Bank & Trust Company of Sycamore

The National Bank & Trust Company of Sycamore is headquartered in Sycamore and is the 69^th largest bank in the state of Illinois. It is also the 1,090^th largest bank in the nation. It was established in 1867 and as of March of 2012, it had grown to 175 employees at 11 locations. The National Bank & Trust Company of Sycamore has a 5-star health rating.

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Data for Q1 2012

Institution Statistics The National Bank & Trust Company of Sycamore FDIC Certificate # 10036 BankRate Report View Year Established 1867 Employees 175 Primary Regulator OCC Assets and Liabilities Assets $614.68 million Loans $329.57 million Deposits $540.43 million Equity Capital $71.81 million Loan Loss Allowance $2.55 million Unbacked Noncurrent Loans $2.88 million Real Estate Owned $5.37 million Historic Data - March 2011 Assets $599.99 million Equity Capital $68.36 million Loan Loss Allowance $3.59 million Unbacked Noncurrent Loans $18.54 million Real Estate Owned $4.35 million Profit Margin - Quarterly Net Interest Margin 3.38% Return on Assets 0.65% Return on Equity 5.5% Interest Income $5.45 million

Institution Health Overall Score: 5 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 The National Bank & Trust Company of Sycamore had $8.25 million in non-current loans and owned real-estate with $74.36 million in equity and loan loss allowances on hand to cover it. This gives The National Bank & Trust Company of Sycamore a Texas Ratio of 11.09% 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 The National Bank & Trust Company of Sycamore decreased significantly from 31.82% as of March 31, 2011 to 11.09% as of March 31, 2012, resulting in a positive change of 65.13%.This indicates that the balance sheet and financial strength for The National Bank & Trust Company of Sycamore has improved significantly in recent periods. Deposit Growth In the past year, The National Bank & Trust Company of Sycamore has increased its total deposits by $11.41 million, resulting in 2.16% 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 The National Bank & Trust Company of Sycamore 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. The National Bank & Trust Company of Sycamore has $614.68 million in assets with $74.36 million in equity, resulting in a capitalization level of 12.10%, which is excellent.

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