Village Bank and Trust

Village Bank and Trust is headquartered in Arlington Height and is the 45^th largest bank in the state of Illinois. It is also the 734^th largest bank in the nation. It was established in 1995 and as of March of 2012, it had grown to 112 employees at 4 locations. Village Bank and Trust has a 5-star health rating.

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Data for Q1 2012

Institution Statistics Village Bank and Trust FDIC Certificate # 34011 BankRate Report View Year Established 1995 Employees 112 Primary Regulator FED Assets and Liabilities Assets $904.68 million Loans $662.57 million Deposits $721.52 million Equity Capital $113.84 million Loan Loss Allowance $5.01 million Unbacked Noncurrent Loans $8.68 million Real Estate Owned $1.37 million Historic Data - March 2011 Assets $783.55 million Equity Capital $108.85 million Loan Loss Allowance $6.06 million Unbacked Noncurrent Loans $5.62 million Real Estate Owned $3.65 million Profit Margin - Quarterly Net Interest Margin 3.54% Return on Assets 0.74% Return on Equity 5.89% Interest Income $8.73 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 Village Bank and Trust had $10.05 million in non-current loans and owned real-estate with $118.85 million in equity and loan loss allowances on hand to cover it. This gives Village Bank and Trust a Texas Ratio of 8.46% 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 Village Bank and Trust held steady from 8.07% as of March 31, 2011 to 8.46% as of March 31, 2012, resulting in a negative change of 4.83%. This indicates that the balance sheet and financial strength for Village Bank and Trust has held steady in recent periods. Deposit Growth In the past year, Village Bank and Trust has increased its total deposits by $100.4 million, resulting in 16.16% 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 Village Bank and 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. Village Bank and Trust has $904.68 million in assets with $118.85 million in equity, resulting in a capitalization level of 13.14%, which is excellent.

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