First Bank of Highland Park

1835 First Street
Highland Park, IL 60035
847-432-7800
www.firstbankhp.com

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First Bank of Highland Park is headquartered in Highland Park and is the 36^th largest bank in the state of Illinois. It is also the 606^th largest bank in the nation. It was established in 1955 and as of March of 2012, it had grown to 78 employees at 2 locations. First Bank of Highland Park has a 4-star health rating.

2.75% 17-Month CD at First Bank of Highland in Illinois - Local Only - 6/15/2009

First Bank of Highland Park is offering three competitive CD and IRA specials. These include a 2.25% APY 9-month CD, a 2.75% APY 17-month CD and a 3.75% APY 60-month CD. Minimum deposit is $5,000. These rates are listed on the upper right side of the...

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

First Bank of Highland Park Checking Account Rates

Apy	Min	Max	Product
0.15%	-	-	Platinum Checking
0.05%	-	-	Interest Checking
0.05%	-	-	Friendly Interest Checking

First Bank of Highland Park Savings Account Rates

Apy	Min	Max	Product
0.75%	$50k	-	Prime Savings
0.30%	-	-	My First Savings
0.30%	-	-	Platinum Savings
0.30%	-	-	IRA Statement Savings
0.30%	-	-	Roth IRA Statement Savings
0.30%	-	-	SEP IRA Statement Savings
0.30%	-	-	CESA Statement Savings
0.25%	-	-	Friendly Savings
0.25%	-	-	Statement Savings
0.05%	-	-	Health Savings Account

First Bank of Highland Park Money Market Rates

Apy	Min	Max	Product
0.30%	$25k	-	Prime Access Money Market Account
0.20%	-	-	Friendly Money Market Account
0.15%	-	-	Money Market Account

First Bank of Highland Park CD Rates

Apy	Min	Max	Product
1.50%	$5k	-	60 Month CD Special
1.25%	$2,500	-	5 Year CD
1.00%	$5k	-	30 Month CD Special
0.85%	$2,500	-	4 Year CD
0.70%	$2,500	-	3 Year CD
0.50%	$2,500	-	2 Year CD
0.45%	$100k	-	1 Year Jumbo CD
0.30%	$2,500	-	1 Year CD
0.25%	$100k	-	180 Day Jumbo CD
0.20%	$100k	-	90 Day Jumbo CD
0.15%	$2,500	-	6 Month CD
0.10%	$2,500	-	91 Day CD
0.10%	$100k	-	30 Day Jumbo CD
0.10%	$100k	-	60 Day Jumbo CD

First Bank of Highland Park IRA Rates

Apy	Min	Max	Product
2.50%	$1k	-	5 Year Variable IRA
2.50%	$1k	-	5 Year Variable Roth IRA
2.50%	$1k	-	5 Year Variable SEP IRA
2.50%	$1k	-	5 Year Variable CESA
1.50%	$1k	-	60 Month IRA Special
1.25%	$1k	-	5 Year IRA
1.25%	$1k	-	5 Year Roth IRA
1.25%	$1k	-	5 Year SEP IRA
1.25%	$1k	-	5 Year CESA
1.00%	$1k	-	30 Month IRA Special
0.85%	$1k	-	4 Year IRA
0.85%	$1k	-	4 Year Roth IRA
0.85%	$1k	-	4 Year SEP IRA
0.85%	$1k	-	4 Year CESA
0.70%	$1k	-	3 Year IRA
0.70%	$1k	-	3 Year Roth IRA
0.70%	$1k	-	3 Year SEP IRA
0.70%	$1k	-	3 Year CESA
0.50%	$1k	-	2 Year IRA
0.50%	$1k	-	2 Year Roth IRA
0.50%	$1k	-	2 Year SEP IRA
0.50%	$1k	-	2 Year CESA
0.30%	$1k	-	1 Year IRA
0.30%	$1k	-	1 Year Roth IRA
0.30%	$1k	-	1 Year SEP IRA
0.30%	$1k	-	1 Year CESA
0.15%	$1k	-	6 Month IRA
0.15%	$1k	-	6 Month Roth IRA
0.15%	$1k	-	6 Month SEP IRA
0.15%	$1k	-	6 Month CESA
0.10%	$1k	-	91 Day IRA
0.10%	$1k	-	91 Day Roth IRA
0.10%	$1k	-	91 Day SEP IRA
0.10%	$1k	-	91 Day CESA

Rates updated: 5/24/2012

Data for Q1 2012

Institution Statistics

First Bank of Highland Park
FDIC Certificate #	17470
BankRate Report	View
Year Established	1955
Employees	78
Primary Regulator	FDIC
Assets and Liabilities
Assets	$1.08 billion
Loans	$821.16 million
Deposits	$927.03 million
Equity Capital	$130.19 million
Loan Loss Allowance	$12.09 million
Unbacked Noncurrent Loans	$6.99 million
Real Estate Owned	$8.13 million
Historic Data - March 2011
Assets	$1.12 billion
Equity Capital	$118.99 million
Loan Loss Allowance	$13.27 million
Unbacked Noncurrent Loans	$12.66 million
Real Estate Owned	$12.39 million
Profit Margin - Quarterly
Net Interest Margin	2.66%
Return on Assets	0.79%
Return on Equity	6.58%
Interest Income	$10.14 million

Institution Health

Overall Score:

4 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 First Bank of Highland Park had $15.11 million in non-current loans and owned real-estate with $142.28 million in equity and loan loss allowances on hand to cover it. This gives First Bank of Highland Park a Texas Ratio of 10.62% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for First Bank of Highland Park decreased significantly from 18.94% as of March 31, 2011 to 10.62% as of March 31, 2012, resulting in a positive change of 43.91%.This indicates that the balance sheet and financial strength for First Bank of Highland Park has improved significantly in recent periods.
Deposit Growth
In the past year, First Bank of Highland Park has decreased its total deposits by -$33.19 million, resulting in -3.46% 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 First Bank of Highland Park has shown is below 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. First Bank of Highland Park has $1.08 billion in assets with $142.28 million in equity, resulting in a capitalization level of 13.14%, which is excellent.