First Security Trust and Savings Bank

First Security Trust and Savings Bank is headquartered in Elmwood Park and is the 204^th largest bank in the state of Illinois. It is also the 2,967^th largest bank in the nation. It was established in 1946 and as of March of 2012, it had grown to 51 employees at 1 location. First Security Trust and Savings Bank has a 4-star health rating.

Data for Q1 2012

Institution Statistics First Security Trust and Savings Bank FDIC Certificate # 17224 BankRate Report View Year Established 1946 Employees 51 Primary Regulator FDIC Assets and Liabilities Assets $214.40 million Loans $86.03 million Deposits $187.46 million Equity Capital $25.78 million Loan Loss Allowance $10.66 million Unbacked Noncurrent Loans $17.82 million Real Estate Owned $9.92 million Historic Data - March 2011 Assets $205.37 million Equity Capital $29.50 million Loan Loss Allowance $16.65 million Unbacked Noncurrent Loans $28.06 million Real Estate Owned $6.30 million Profit Margin - Quarterly Net Interest Margin 3.5% Return on Assets -1.32% Return on Equity -10.3% Interest Income $1.54 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 Security Trust and Savings Bank had $27.74 million in non-current loans and owned real-estate with $36.44 million in equity and loan loss allowances on hand to cover it. This gives First Security Trust and Savings Bank a Texas Ratio of 76.13% 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 Security Trust and Savings Bank held steady from 74.45% as of March 31, 2011 to 76.13% as of March 31, 2012, resulting in a negative change of 2.26%. This indicates that the balance sheet and financial strength for First Security Trust and Savings Bank has held steady in recent periods. Deposit Growth In the past year, First Security Trust and Savings Bank has increased its total deposits by $12.34 million, resulting in 7.04% 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 Security Trust and Savings Bank 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. First Security Trust and Savings Bank has $214.4 million in assets with $36.44 million in equity, resulting in a capitalization level of 17.00%, which is excellent.

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