First Savings Bank of Hegewisch

First Savings Bank of Hegewisch is headquartered in Chicago and is the 75^th largest bank in the state of Illinois. It is also the 1,207^th largest bank in the nation. It was established in 1914 and as of March of 2012, it had grown to 105 employees at 9 locations. First Savings Bank of Hegewisch has a 5-star health rating.

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Data for Q1 2012

Institution Statistics First Savings Bank of Hegewisch FDIC Certificate # 29809 BankRate Report View Year Established 1914 Employees 105 Primary Regulator FDIC Assets and Liabilities Assets $558.52 million Loans $307.01 million Deposits $495.08 million Equity Capital $62.21 million Loan Loss Allowance $1.94 million Unbacked Noncurrent Loans $514,000 Historic Data - March 2011 Assets $540.50 million Equity Capital $57.91 million Loan Loss Allowance $1.45 million Unbacked Noncurrent Loans $1.00 million Real Estate Owned $40,000 Profit Margin - Quarterly Net Interest Margin 3.07% Return on Assets 0.81% Return on Equity 7.27% Interest Income $5.18 million

Institution Health Overall Score: 5 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 Savings Bank of Hegewisch had $514,000 in non-current loans and owned real-estate with $64.15 million in equity and loan loss allowances on hand to cover it. This gives First Savings Bank of Hegewisch a Texas Ratio of 0.80% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for First Savings Bank of Hegewisch decreased significantly from 1.75% as of March 31, 2011 to 0.80% as of March 31, 2012, resulting in a positive change of 54.31%.This indicates that the balance sheet and financial strength for First Savings Bank of Hegewisch has improved significantly in recent periods. Deposit Growth In the past year, First Savings Bank of Hegewisch has increased its total deposits by $16.05 million, resulting in 3.35% 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 Savings Bank of Hegewisch 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. First Savings Bank of Hegewisch has $558.52 million in assets with $64.15 million in equity, resulting in a capitalization level of 11.49%, which is above average.

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