International Bank of Chicago

5069 North Broadway
Chicago, IL 60640
(773) 769-2899
www.inbk.com

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International Bank of Chicago is headquartered in Chicago and is the 87^th largest bank in the state of Illinois. It is also the 1,402^nd largest bank in the nation. It was established in 1992 and as of March of 2012, it had grown to 66 employees at 7 locations. International Bank of Chicago's money market rates are 14% higher than the national average, and it has a 3-star health rating.

International Bank of Chicago Routing Number: 071006651

Competitive 2-Year CD Rate at International Bank of Chicago - Local Only - 10/18/2011

Sometimes a bank becomes a rate leader when it raises its rates above its competitors. However, sometimes it becomes a rate leader when it is the only one that doesn't lower its rates. That is current ...

2.50% 18-Month CD & 2.75% 24-Month CD at International Bank of Chicago - Local Only - 8/3/2009

International Bank of Chicago continues to list four competitive CD rates: a 2.00% APY 6-month CD, a 2.25% APY 12-month CD, a 2.50% APY 18-month CD and a 2.75% APY 24-month CD. Minimum deposit is $10,000. These rates are listed at the bank's rate table...

2.50% 12-Month CD & 3.00% 24-Month CD Continue at International Bank of Chicago - 7/2/2009

Update 7/10/09: The CD rates have fallen by 25 basis points. Please refer to the bank's website for the latest rates.International Bank of Chicago continues to list four competitive CD rates: a 2.25% APY 6-month CD, a 2.50% APY 12-month CD, a 2.75% APY...

3.00% 24-Month CD & Other Competitive CD Rates at International Bank of Chicago - 5/18/2009

International Bank of Chicago is listing four competitive CD rates: a 2.25% APY 6-month CD, a 2.50% APY 12-month CD, a 2.75% APY 18-month CD and a 3.00% APY 24-month CD. Minimum deposit is $10,000. These rates are listed at the bank's rate table as of...

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

International Bank of Chicago Checking Account Rates

Apy	Min	Max	Product
0.50%	$5k	-	IBC Account
0.25%	$1k	-	NOW Account

International Bank of Chicago Savings Account Rates

	Apy	Min	Max	Product
	0.25%	$200	-	Savings Account

International Bank of Chicago Money Market Rates

	Apy	Min	Max	Product
	0.50%	$2,500	-	Money Market Account

International Bank of Chicago CD Rates

Apy	Min	Max	Product
1.00%	$10k	-	1 Year CD
0.75%	$10k	-	6 Month CD

Rates updated: 5/25/2012

Data for Q1 2012

Institution Statistics

International Bank of Chicago
FDIC Certificate #	33708
BankRate Report	View
Year Established	1992
Employees	66
Primary Regulator	FDIC
Assets and Liabilities
Assets	$481.35 million
Loans	$273.53 million
Deposits	$424.55 million
Equity Capital	$45.14 million
Loan Loss Allowance	$4.18 million
Unbacked Noncurrent Loans	$25.70 million
Real Estate Owned	$5.21 million
Historic Data - March 2011
Assets	$238.66 million
Equity Capital	$25.68 million
Loan Loss Allowance	$3.42 million
Unbacked Noncurrent Loans	$1.71 million
Real Estate Owned	$2.07 million
Profit Margin - Quarterly
Net Interest Margin	3.28%
Return on Assets	14.25%
Return on Equity	143.61%
Interest Income	$3.92 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 March 31, 2012 International Bank of Chicago had $30.92 million in non-current loans and owned real-estate with $49.32 million in equity and loan loss allowances on hand to cover it. This gives International Bank of Chicago a Texas Ratio of 62.69% 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 International Bank of Chicago increased slightly from 13.68% as of March 31, 2011 to 62.69% as of March 31, 2012, resulting in a negative change of 358.09%. This indicates that the balance sheet and financial strength for International Bank of Chicago has declined slightly in recent periods.
Deposit Growth
In the past year, International Bank of Chicago has increased its total deposits by $221.56 million, resulting in 109.15% 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 International Bank of Chicago 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. International Bank of Chicago has $481.35 million in assets with $49.32 million in equity, resulting in a capitalization level of 10.25%, which is above average.