Belmont Bank & Trust Company Financial Statements & Health Reports

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ROAA

1.45

ROAE

Efficiency Ratio

Net Interest Margin

Balance Sheet Highlights

Financial Highlights	Belmont Bank & Trust Company	All Insured Commercial Banks in Illinois
Balance Sheet $(000)
Total Assets	376,127	290,894
Total Net Loans	271,249	191,278
Total Deposits	339,210	246,407
Total Equity	35,532	31,125
Profitability
Net Income	5,084	2,670
Return on Average Assets	1.45	.919
Return on Average Equity	14.918	8.247
Net Interest Margin	4.118	3.499
Efficiency Ratio	39.2	67.9
Noninterest Income/Revenue	6.108	16.598
Balance Sheet Ratios
Loan-to-Deposit	79.965	72.669
Securities/Assets	.21	.191
Total Equity/Total Assets	.094	.107
Tangible Equity/Tangible Assets	.094	.103
Capital Adequacy
Tier 1 Common Capital	36,004	29,670
Tier 1 Capital	36,004	29,720
Tier 2 Capital	3,494	2,112
Total Capital	39,498	31,905
Total Risk Weighted Assets	279,052	212,461
Leverage Ratio	9.73	10.62
Common Equity Tier 1 Capital Ratio	12.9	16.313
Tier 1 Capital Ratio	12.9	16.329
Total Capital Ratio	14.15	17.341

Belmont Bank & Trust Company was established 17 years ago and is currently headquartered in Chicago, IL.

Jun 14 2006

Belmont Financial Group, Inc. became a new parent organization for Belmont Bank & Trust Company.

View Profile Jun 14 2006

Relationships	Role	Relationship Start	Relationship End
Belmont Financial Group, Inc.	Parent	6/14/2006

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