Gold Coast Bank

Gold Coast Bank is headquartered in Chicago and is the 199^th largest bank in the state of Illinois. It is also the 2,930^th largest bank in the nation. It was established in 2007 and as of March of 2012, it had grown to 30 employees at 1 location. Gold Coast Bank has a 4-star health rating.

Gold Coast Bank Routing Number: 071026848

Data for Q1 2012

Institution Statistics Gold Coast Bank FDIC Certificate # 58556 BankRate Report View Year Established 2007 Employees 30 Primary Regulator FDIC Assets and Liabilities Assets $217.16 million Loans $187.67 million Deposits $185.10 million Equity Capital $20.65 million Loan Loss Allowance $8.59 million Unbacked Noncurrent Loans $3.40 million Real Estate Owned $1.56 million Historic Data - March 2011 Assets $187.65 million Equity Capital $17.59 million Loan Loss Allowance $7.24 million Unbacked Noncurrent Loans $3.75 million Real Estate Owned $1.49 million Profit Margin - Quarterly Net Interest Margin 5.05% Return on Assets 0.98% Return on Equity 10.27% Interest Income $2.98 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 Gold Coast Bank had $4.96 million in non-current loans and owned real-estate with $29.24 million in equity and loan loss allowances on hand to cover it. This gives Gold Coast Bank a Texas Ratio of 16.96% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Gold Coast Bank decreased slightly from 21.08% as of March 31, 2011 to 16.96% as of March 31, 2012, resulting in a positive change of 19.53%.This indicates that the balance sheet and financial strength for Gold Coast Bank has improved slightly in recent periods. Deposit Growth In the past year, Gold Coast Bank has increased its total deposits by $21.69 million, resulting in 13.28% 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 Gold Coast 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. Gold Coast Bank has $217.16 million in assets with $29.24 million in equity, resulting in a capitalization level of 13.46%, which is excellent.

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