A J Smith Federal Savings Bank

A J Smith Federal Savings Bank Locations

14757 S Cicero Ave
Midlothian, IL 60445
(708) 687-7400
www.ajsmithbank.com

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A J Smith Federal Savings Bank is headquartered in Midlothian and is the 178^th largest bank in the state of Illinois. It is also the 2,659^th largest bank in the nation. It was established in 1924 and as of December of 2011, it had grown to 46 employees at 3 locations. A J Smith Federal Savings Bank has a 3-star health rating.

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

A J Smith Federal Savings Bank Checking Account Rates

	Apy	Min	Max	Product
	0.00%	$500	-	NOW Account

A J Smith Federal Savings Bank Savings Account Rates

Apy	Min	Max	Product
0.40%	$50k	-	Money Market Passbook
0.10%	$200	-	Savings
0.10%	$2,500	-	Super Passbook

A J Smith Federal Savings Bank Money Market Rates

	Apy	Min	Max	Product
	0.00%	-	-	Money Market

A J Smith Federal Savings Bank CD Rates

Apy	Min	Max	Product
0.65%	$500	-	48 Month CD
0.65%	$500	-	60 Month CD
0.60%	$2,500	-	35 Month Second Chance CD
0.60%	$1k	-	72 Months Fixed Rate CD
0.55%	$500	-	30 Month CD
0.55%	$500	-	36 Month CD
0.50%	$1k	-	48 Months Fixed Rate CD
0.40%	$1k	-	36 Months Fixed Rate CD
0.35%	$2,500	-	25 Month Second Chance CD
0.35%	$1k	-	30 Months Fixed Rate CD
0.30%	$500	-	18 Month CD
0.30%	$500	-	24 Month CD
0.25%	$25k	$1m	7 Day CD
0.25%	$500	-	13 Month CD
0.25%	$500	-	15 Month CD
0.20%	$500	$1m	12 Month CD
0.20%	$2,500	$1m	182 Day CD
0.20%	$2,500	$1m	212 Day CD
0.20%	$2,500	$1m	273 Day CD
0.20%	$2,500	$1m	335 Day CD
0.10%	$2,500	$1m	91 Day CD

Rates updated: 5/17/2012

Data for Q4 2011

Institution Statistics

A J Smith Federal Savings Bank
OTS #	00358
FDIC Certificate #	27831
BankRate Report	View
Year Established	1924
Employees	46
Primary Regulator	OCC
Assets and Liabilities
Assets	$239.85 million
Loans	$122.41 million
Deposits	$183.78 million
Equity Capital	$22.82 million
Loan Loss Allowance	$1.92 million
Unbacked Noncurrent Loans	$2.61 million
Real Estate Owned	$3.61 million
Historic Data - December 2010
Assets	$250.40 million
Equity Capital	$23.44 million
Loan Loss Allowance	$1.55 million
Unbacked Noncurrent Loans	$3.26 million
Real Estate Owned	$3.37 million
Profit Margin - Quarterly
Net Interest Margin	2.63%
Return on Assets	-0.81%
Return on Equity	-8.64%
Interest Income	$7.90 million

Institution Health

Overall Score:

3 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 December 31, 2011 A J Smith Federal Savings Bank had $6.22 million in non-current loans and owned real-estate with $24.74 million in equity and loan loss allowances on hand to cover it. This gives A J Smith Federal Savings Bank a Texas Ratio of 25.15% 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 A J Smith Federal Savings Bank held steady from 26.51% as of December 31, 2010 to 25.15% as of December 31, 2011, resulting in a positive change of 5.11%.This indicates that the balance sheet and financial strength for A J Smith Federal Savings Bank has held steady in recent periods.
Deposit Growth
In the past year, A J Smith Federal Savings Bank has decreased its total deposits by -$15.43 million, resulting in -7.75% 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 A J Smith Federal Savings Bank has shown is poor.
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. A J Smith Federal Savings Bank has $239.84 million in assets with $24.74 million in equity, resulting in a capitalization level of 10.31%, which is above average.

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