Hyde Park Bank and Trust Company

Hyde Park Bank and Trust Company Locations

1525 East 53rd Street
Chicago, IL 60615
773.752.4600
www.hydeparkbank.net

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Hyde Park Bank and Trust Company is headquartered in Chicago and is the 105^th largest bank in the state of Illinois. It is also the 1,658^th largest bank in the nation. It was established in 1928 and as of March of 2012, it had grown to 70 employees at 2 locations. Hyde Park Bank and Trust Company has a 4-star health rating.

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See Rates for: Checking | Savings | Money Market | CD | IRA

Hyde Park Bank and Trust Company Checking Account Rates

Apy	Min	Max	Product
0.08%	$50k	-	Select Checking
0.05%	$100k	-	NOW Checking
0.01%	$1,500	-	Sole Proprietor NOW Checking
0.01%	$1,500	-	Not-for Profit NOW Checking

Hyde Park Bank and Trust Company Savings Account Rates

Apy	Min	Max	Product
0.10%	$25k	-	Select Savings
0.01%	$100	-	Regular Savings
0.01%	$100	-	Senior Savings
0.01%	$100	-	Custodial Savings
0.01%	$1k	-	Business Savings

Hyde Park Bank and Trust Company Money Market Rates

Apy	Min	Max	Product
0.35%	$250k	-	HSB Select Money Market
0.35%	$250k	-	Business Money Market Index
0.35%	$250k	-	HSB Business Select Money Market
0.30%	$250k	-	Market Index Account
0.05%	$15k	-	Money Market Account
0.05%	$15k	-	Business Money Market
0.01%	$200	-	Traditional IRA Money Market
0.01%	$200	-	Roth IRA Money Market
0.01%	$200	-	CESA Money Market

Hyde Park Bank and Trust Company CD Rates

Apy	Min	Max	Product
1.25%	$1k	-	5 Year Choice CD
0.90%	$1k	-	5 Year CD
0.65%	$1k	-	4 Year CD
0.60%	$1k	-	2 Year Choice CD
0.55%	$1k	-	3 Year CD
0.40%	$1k	-	2 Year CD
0.35%	$1k	-	2.5 Year CD
0.30%	$100k	-	1 Year Jumbo CD
0.25%	$1k	-	18 Month CD
0.20%	$1k	-	1 Year CD
0.20%	$5k	-	13 Month CD
0.20%	$100k	-	6 Month Jumbo CD
0.15%	$5k	-	10 Month CD
0.15%	$100k	-	90 Day Jumbo CD
0.10%	$1k	-	6 Month CD
0.10%	$1k	-	7 Month CD
0.10%	$2,500	-	8 Month CD
0.10%	$50k	-	14 Day CD
0.10%	$100k	-	30 Day Jumbo CD
0.10%	$100k	-	60 Day Jumbo CD
0.05%	$1k	-	60 Day CD
0.05%	$1k	-	90 Day CD
0.05%	$5k	-	4 Month CD

Hyde Park Bank and Trust Company IRA Rates

Apy	Min	Max	Product
0.90%	$1k	-	5 Year Traditional IRA
0.90%	$1k	-	5 Year Roth IRA
0.65%	$1k	-	4 Year Traditional IRA
0.65%	$1k	-	4 Year Roth IRA
0.55%	$1k	-	3 Year Traditional IRA
0.55%	$1k	-	3 Year Roth IRA
0.40%	$1k	-	2 Year Traditional IRA
0.40%	$1k	-	2 Year Roth IRA
0.30%	$100k	-	1 Year Roth Jumbo IRA
0.30%	$100k	-	1 Year Traditional Jumbo IRA
0.20%	$1k	-	1 Year CESA
0.20%	$1k	-	1 Year Traditional IRA
0.20%	$1k	-	1 Year Roth IRA
0.15%	$100k	-	90 Day Roth Jumbo IRA
0.15%	$100k	-	90 Day Traditional Jumbo IRA
0.10%	$1k	-	6 Month Traditional IRA
0.10%	$1k	-	6 Month Roth IRA
0.10%	$100k	-	30 Day Roth Jumbo IRA
0.10%	$100k	-	60 Day Roth Jumbo IRA
0.10%	$100k	-	60 Day Traditional Jumbo IRA
0.10%	$100k	-	30 Day Traditional Jumbo IRA
0.10%	$50k	-	14 Day Traditional IRA
0.10%	$50k	-	14 Day Roth IRA

Rates updated: 5/25/2012

Data for Q1 2012

Institution Statistics

Hyde Park Bank and Trust Company
FDIC Certificate #	10448
BankRate Report	View
Year Established	1928
Employees	70
Primary Regulator	FDIC
Assets and Liabilities
Assets	$401.99 million
Loans	$131.16 million
Deposits	$234.92 million
Equity Capital	$32.35 million
Loan Loss Allowance	$2.41 million
Unbacked Noncurrent Loans	$2.29 million
Real Estate Owned	$3.99 million
Historic Data - March 2011
Assets	$406.85 million
Equity Capital	$32.19 million
Loan Loss Allowance	$1.94 million
Unbacked Noncurrent Loans	$8.12 million
Real Estate Owned	$421,000
Profit Margin - Quarterly
Net Interest Margin	2.58%
Return on Assets	0.48%
Return on Equity	5.82%
Interest Income	$3.43 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 Hyde Park Bank and Trust Company had $6.27 million in non-current loans and owned real-estate with $34.76 million in equity and loan loss allowances on hand to cover it. This gives Hyde Park Bank and Trust Company a Texas Ratio of 18.04% 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 Hyde Park Bank and Trust Company decreased slightly from 25.02% as of March 31, 2011 to 18.04% as of March 31, 2012, resulting in a positive change of 27.88%.This indicates that the balance sheet and financial strength for Hyde Park Bank and Trust Company has improved slightly in recent periods.
Deposit Growth
In the past year, Hyde Park Bank and Trust Company has increased its total deposits by $9.54 million, resulting in 4.23% 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 Hyde Park Bank and Trust Company 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. Hyde Park Bank and Trust Company has $401.99 million in assets with $34.76 million in equity, resulting in a capitalization level of 8.65%, which is average.

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