Amalgamated Bank of Chicago

Amalgamated Bank of Chicago is headquartered in Chicago and is the 48^th largest bank in the state of Illinois. It is also the 747^th largest bank in the nation. It was established in 1922 and as of December of 2011, it had grown to 186 employees at 2 locations. Amalgamated Bank of Chicago has a 2-star health rating.

Amalgamated Bank of Chicago Routing Number: 071925994

Data for Q4 2011

Institution Statistics Amalgamated Bank of Chicago FDIC Certificate # 903 BankRate Report View Year Established 1922 Employees 186 Primary Regulator FDIC Assets and Liabilities Assets $880.89 million Loans $352.92 million Deposits $806.56 million Equity Capital $46.69 million Loan Loss Allowance $9.04 million Unbacked Noncurrent Loans $28.76 million Real Estate Owned $1.70 million Historic Data - December 2010 Assets $920.50 million Equity Capital $53.64 million Loan Loss Allowance $8.34 million Unbacked Noncurrent Loans $14.74 million Real Estate Owned $4.59 million Profit Margin - Quarterly Net Interest Margin 2.78% Return on Assets 0.25% Return on Equity 3.92% Interest Income $23.36 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 Amalgamated Bank of Chicago had $30.46 million in non-current loans and owned real-estate with $55.73 million in equity and loan loss allowances on hand to cover it. This gives Amalgamated Bank of Chicago a Texas Ratio of 54.67% 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 Amalgamated Bank of Chicago increased slightly from 31.19% as of December 31, 2010 to 54.67% as of December 31, 2011, resulting in a negative change of 75.26%. This indicates that the balance sheet and financial strength for Amalgamated Bank of Chicago has declined slightly in recent periods. Deposit Growth In the past year, Amalgamated Bank of Chicago has increased its total deposits by $29.45 million, resulting in 3.79% 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 Amalgamated Bank of Chicago 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. Amalgamated Bank of Chicago has $880.89 million in assets with $55.73 million in equity, resulting in a capitalization level of 6.33%, which is below average.

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