FirstSecure Bank and Trust Co.

FirstSecure Bank and Trust Co. is headquartered in Palos Hills and is the 433^rd largest bank in the state of Illinois. It is also the 5,945^th largest bank in the nation. It was established in 1977 and as of March of 2012, it had grown to 20 employees at 1 location. FirstSecure Bank and Trust Co. has a 1-star health rating.

Data for Q1 2012

Institution Statistics FirstSecure Bank and Trust Co. FDIC Certificate # 22536 BankRate Report View Year Established 1977 Employees 20 Primary Regulator FDIC Assets and Liabilities Assets $64.51 million Loans $47.57 million Deposits $61.20 million Equity Capital $2.66 million Loan Loss Allowance $2.28 million Unbacked Noncurrent Loans $7.94 million Real Estate Owned $191,000 Historic Data - March 2011 Assets $66.65 million Equity Capital $3.48 million Loan Loss Allowance $2.53 million Unbacked Noncurrent Loans $8.72 million Real Estate Owned $33,000 Profit Margin - Quarterly Net Interest Margin 4.2% Return on Assets -0.11% Return on Equity -2.86% Interest Income $710,000

Institution Health Overall Score: 1 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 FirstSecure Bank and Trust Co. had $8.13 million in non-current loans and owned real-estate with $4.94 million in equity and loan loss allowances on hand to cover it. This gives FirstSecure Bank and Trust Co. a Texas Ratio of 164.52% which is poor. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for FirstSecure Bank and Trust Co. held steady from 145.73% as of March 31, 2011 to 164.52% as of March 31, 2012, resulting in a negative change of 12.89%. This indicates that the balance sheet and financial strength for FirstSecure Bank and Trust Co. has held steady in recent periods. Deposit Growth In the past year, FirstSecure Bank and Trust Co. has decreased its total deposits by -$1.74 million, resulting in -2.77% 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 FirstSecure Bank and Trust Co. 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. FirstSecure Bank and Trust Co. has $64.51 million in assets with $4.94 million in equity, resulting in a capitalization level of 7.66%, which is below average.

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