Family Federal Savings of Illinois

Family Federal Savings of Illinois is headquartered in Chicago and is the 415^st largest bank in the state of Illinois. It is also the 5,713^st largest bank in the nation. It was established in 1910 and as of March of 2012, it had grown to 38 employees at 2 locations. Family Federal Savings of Illinois has a 3-star health rating.

Data for Q1 2012

Institution Statistics GreenChoice Bank, fsb OTS # 01638 FDIC Certificate # 28462 BankRate Report View Year Established 1910 Employees 38 Primary Regulator OCC Assets and Liabilities Assets $72.20 million Loans $54.40 million Deposits $64.36 million Equity Capital $7.34 million Loan Loss Allowance $308,000 Unbacked Noncurrent Loans $6.17 million Real Estate Owned $4.24 million Historic Data - March 2011 Assets $59.90 million Equity Capital $7.38 million Loan Loss Allowance $80,000 Unbacked Noncurrent Loans $7.51 million Real Estate Owned $5.89 million Profit Margin - Quarterly Net Interest Margin 4.12% Return on Assets -4.35% Return on Equity -47.67% Interest Income $722,000

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 March 31, 2012 Family Federal Savings of Illinois had $10.41 million in non-current loans and owned real-estate with $7.64 million in equity and loan loss allowances on hand to cover it. This gives Family Federal Savings of Illinois a Texas Ratio of 136.16% 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 Family Federal Savings of Illinois decreased slightly from 179.77% as of March 31, 2011 to 136.16% as of March 31, 2012, resulting in a positive change of 24.26%.This indicates that the balance sheet and financial strength for Family Federal Savings of Illinois has improved slightly in recent periods. Deposit Growth In the past year, Family Federal Savings of Illinois has increased its total deposits by $12.16 million, resulting in 23.3% 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 Family Federal Savings of Illinois has shown is excellent. 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. Family Federal Savings of Illinois has $72.2 million in assets with $7.64 million in equity, resulting in a capitalization level of 10.59%, which is above average.

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