Diamond Bank, FSB

Diamond Bank, FSB is headquartered in Schaumburg and is the 214^st largest bank in the state of Illinois. It is also the 3,111^st largest bank in the nation. It was established in 1886 and as of March of 2012, it had grown to 37 employees at 4 locations. Diamond Bank, FSB has a 1-star health rating.

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Data for Q1 2012

Institution Statistics Diamond Bank, FSB OTS # 03627 FDIC Certificate # 29539 BankRate Report View Year Established 1886 Employees 37 Primary Regulator OCC Assets and Liabilities Assets $200.07 million Loans $160.69 million Deposits $159.37 million Equity Capital $11.47 million Loan Loss Allowance $8.98 million Unbacked Noncurrent Loans $13.11 million Real Estate Owned $4.14 million Historic Data - March 2011 Assets $254.79 million Equity Capital $19.82 million Loan Loss Allowance $8.76 million Unbacked Noncurrent Loans $15.05 million Real Estate Owned $784,000 Profit Margin - Quarterly Net Interest Margin 3.13% Return on Assets -2.88% Return on Equity -48.5% Interest Income $2.33 million

Institution Health Overall Score: 1 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 Diamond Bank, FSB had $17.25 million in non-current loans and owned real-estate with $20.45 million in equity and loan loss allowances on hand to cover it. This gives Diamond Bank, FSB a Texas Ratio of 84.35% which is poor. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Diamond Bank, FSB increased slightly from 55.38% as of March 31, 2011 to 84.35% as of March 31, 2012, resulting in a negative change of 52.31%. This indicates that the balance sheet and financial strength for Diamond Bank, FSB has declined slightly in recent periods. Deposit Growth In the past year, Diamond Bank, FSB has decreased its total deposits by -$45.62 million, resulting in -22.25% 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 Diamond Bank, FSB 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. Diamond Bank, FSB has $200.07 million in assets with $20.45 million in equity, resulting in a capitalization level of 10.22%, which is above average.

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