First Savings Bank of Hegewisch is headquartered in Chicago and is the 73rd largest bank in the state of Illinois. It is also the 1,182nd largest bank in the nation. It was established in 1914 and as of September of 2013, it had grown to 104 employees at 9 locations. First Savings Bank of Hegewisch has a A+ health rating.
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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 September 30, 2013 First Savings Bank of Hegewisch had $774,000 in non-current loans and owned real-estate with $70.16 million in equity and loan loss allowances on hand to cover it. This gives First Savings Bank of Hegewisch a Texas Ratio of 1.10% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
The Texas Ratio for First Savings Bank of Hegewisch held steady from 1.21% as of September 30, 2012 to 1.10% as of September 30, 2013, resulting in a positive change of 8.70%.This indicates that the balance sheet and financial strength for First Savings Bank of Hegewisch has held steady in recent periods.
In the past year, First Savings Bank of Hegewisch has increased its total deposits by $6.58 million, resulting in 1.35% 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.
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 $563.05 million in assets with $70.16 million in equity, resulting in a capitalization level of 12.46%, which is excellent.
|FDIC Certificate #||29809|
|Assets and Liabilities|
|Equity Capital||$68.22 million|
|Loan Loss Allowance||$1.94 million|
|Unbacked Noncurrent Loans||$658,000|
|Real Estate Owned||$116,000|
|Historic Data - September 2012|
|Equity Capital||$64.41 million|
|Loan Loss Allowance||$2.04 million|
|Unbacked Noncurrent Loans||$658,000|
|Real Estate Owned||$199,000|
|Profit Margin - Quarterly|
|Net Interest Margin||2.7%|
|Return on Assets||0.67%|
|Return on Equity||5.59%|
|Interest Income||$13.42 million|
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|0.12%||-||-||Statement Savings IRA|
|0.10%||$75k||-||Money Market Extra|
|0.07%||$40k||-||High Yield Money Market|
|0.05%||$1,500||-||Premier Money Market Account|
|0.01%||-||-||Free Checking Plus Interest|
|1.50%||$10k||$75k||42 Month CD (New Money)|
|1.20%||$1k||-||5 Year CD|
|1.15%||$1k||-||6 Year CD|
|1.10%||$1k||-||4 Year CD|
|1.00%||$500||-||3 Year CD|
|0.80%||$50||-||College Savers 4 Year CD|
|0.75%||$1k||-||25 Month CD Special|
|0.70%||$50||-||College Savers 3 Year CD|
|0.65%||$5k||-||20 Month CD Special|
|0.55%||$10k||-||14 Month CD Special|
|0.30%||$1k||-||5 Month CD Special|
|0.11%||$500||-||30 Month Variable CD|
|0.11%||$2k||-||18 Month Variable CD|
|1.10%||-||-||48 Month IRA|
|0.70%||-||-||30 Month IRA|
|0.65%||-||-||24 Month IRA|
|0.50%||-||-||18 Month IRA|
|0.35%||-||-||12 Month IRA|
|First Savings Bank of Hegewisch Locations|
|Frankfort Branch||10395 West Lincoln Highway||Frankfort, IL 60423|
|1100 E Sibley Blvd Branch||1100 East Sibley Boulevard||Calumet City, IL 60409|
|11601 Ave O Branch||11601 Avenue O||Chicago, IL 60617|
|First Savings Bank Of Hegewisch||13220 South Baltimore Avenue||Chicago, IL 60633|
|Crown Point Branch||1351 East South Street||Crown Point, IN 46307|
|Tinley Park Branch||17501 80th Avenue||Tinley Park, IL 60477|
|18207 Burnham Avenue Branch||18207 Burnham Avenue||Lansing, IL 60438|
|2351 Glenwood Dyer Road||2351 Glenwood Dyer Road||Lynwood, IL 60411|
|Dyer Branch||734 Main Street||Dyer, IN 46311|