Allied First Bank,sb

Allied First Bank,sb is headquartered in Oswego and is the 281^st largest bank in the state of Illinois. It is also the 4,110^st largest bank in the nation. It was established in 1994 and as of December of 2011, it had grown to 27 employees at 1 location. Allied First Bank,sb has a 2-star health rating.

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Data for Q4 2011

Institution Statistics Allied First Bank,sb FDIC Certificate # 55130 BankRate Report View Year Established 1994 Employees 27 Primary Regulator FDIC Assets and Liabilities Assets $136.15 million Loans $102.75 million Deposits $118.01 million Equity Capital $8.45 million Loan Loss Allowance $2.59 million Unbacked Noncurrent Loans $3.64 million Real Estate Owned $151,000 Historic Data - December 2010 Assets $165.94 million Equity Capital $12.01 million Loan Loss Allowance $2.30 million Unbacked Noncurrent Loans $5.40 million Real Estate Owned $182,000 Profit Margin - Quarterly Net Interest Margin 2.95% Return on Assets -2.89% Return on Equity -45.44% Interest Income $6.67 million

Institution Health Overall Score: 2 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 Allied First Bank,sb had $3.79 million in non-current loans and owned real-estate with $11.04 million in equity and loan loss allowances on hand to cover it. This gives Allied First Bank,sb a Texas Ratio of 34.33% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Allied First Bank,sb held steady from 38.96% as of December 31, 2010 to 34.33% as of December 31, 2011, resulting in a positive change of 11.90%.This indicates that the balance sheet and financial strength for Allied First Bank,sb has held steady in recent periods. Deposit Growth In the past year, Allied First Bank,sb has decreased its total deposits by -$19.01 million, resulting in -13.88% 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 Allied First Bank,sb 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. Allied First Bank,sb has $136.15 million in assets with $11.04 million in equity, resulting in a capitalization level of 8.11%, which is average.

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