Illinois-Service Federal Savings and Loan Association

Illinois-Service Federal Savings and Loan Association is headquartered in Chicago and is the 282^nd largest bank in the state of Illinois. It is also the 4,076^th largest bank in the nation. It was established in 1934 and as of December of 2012, it had grown to 42 employees at 2 locations. Illinois-Service Federal Savings and Loan Association has a 3-star health rating.

Illinois-Service Federal Savings and Loan Association Checking Account Rates

Illinois-Service Federal Savings and Loan Association Savings Account Rates

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Illinois-Service Federal Savings and Loan Association IRA Rates

Data for Q4 2012

Institution Statistics Illinois-Service Federal Savings and Loan Association OTS # 03395 FDIC Certificate # 29399 BankRate Report View Year Established 1934 Employees 42 Primary Regulator OCC Assets and Liabilities Assets $136.04 million Loans $57.78 million Deposits $107.63 million Equity Capital $13.14 million Loan Loss Allowance $1.57 million Unbacked Noncurrent Loans $5.79 million Real Estate Owned $299,000 Historic Data - December 2011 Assets $147.77 million Equity Capital $15.52 million Loan Loss Allowance $1.14 million Unbacked Noncurrent Loans $4.72 million Real Estate Owned $556,000 Profit Margin - Quarterly Net Interest Margin 3.09% Return on Assets -1.7% Return on Equity -16.94% Interest Income $5.66 million

Institution Health Overall Score: 3 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 December 31, 2012 Illinois-Service Federal Savings and Loan Association had $6.09 million in non-current loans and owned real-estate with $14.7 million in equity and loan loss allowances on hand to cover it. This gives Illinois-Service Federal Savings and Loan Association a Texas Ratio of 41.41% 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 Illinois-Service Federal Savings and Loan Association increased slightly from 31.64% as of December 31, 2011 to 41.41% as of December 31, 2012, resulting in a negative change of 30.89%. This indicates that the balance sheet and financial strength for Illinois-Service Federal Savings and Loan Association has declined slightly in recent periods. Deposit Growth In the past year, Illinois-Service Federal Savings and Loan Association has increased its total deposits by $3 million, resulting in 2.87% 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 Illinois-Service Federal Savings and Loan Association 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. Illinois-Service Federal Savings and Loan Association has $136.04 million in assets with $14.7 million in equity, resulting in a capitalization level of 10.81%, which is above average.

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