First Personal Bank

First Personal Bank is headquartered in Orland Park and is the 241^st largest bank in the state of Illinois. It is also the 3,525^th largest bank in the nation. It was established in 1999 and as of March of 2012, it had grown to 37 employees at 3 locations. First Personal Bank has a 2-star health rating.

First Personal Bank Routing Number: 071925884

Related Posts

First Personal Bank Checking Account Rates

First Personal Bank Savings Account Rates

First Personal Bank Money Market Rates

First Personal Bank CD Rates

First Personal Bank IRA Rates

Data for Q1 2012

Institution Statistics First Personal Bank FDIC Certificate # 35067 BankRate Report View Year Established 1999 Employees 37 Primary Regulator FDIC Assets and Liabilities Assets $170.35 million Loans $102.15 million Deposits $156.87 million Equity Capital $12.85 million Loan Loss Allowance $2.87 million Unbacked Noncurrent Loans $7.31 million Real Estate Owned $4.53 million Historic Data - March 2011 Assets $178.87 million Equity Capital $11.83 million Loan Loss Allowance $3.33 million Unbacked Noncurrent Loans $8.84 million Real Estate Owned $3.68 million Profit Margin - Quarterly Net Interest Margin 3.81% Return on Assets 0.31% Return on Equity 4.1% Interest Income $1.66 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 March 31, 2012 First Personal Bank had $11.84 million in non-current loans and owned real-estate with $15.72 million in equity and loan loss allowances on hand to cover it. This gives First Personal Bank a Texas Ratio of 75.31% 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 First Personal Bank held steady from 82.60% as of March 31, 2011 to 75.31% as of March 31, 2012, resulting in a positive change of 8.83%.This indicates that the balance sheet and financial strength for First Personal Bank has held steady in recent periods. Deposit Growth In the past year, First Personal Bank has decreased its total deposits by -$1.72 million, resulting in -1.08% 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 Personal Bank 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 Personal Bank has $170.35 million in assets with $15.72 million in equity, resulting in a capitalization level of 9.23%, which is average.

No reviews have been left for this bank yet. Be the first to review.