Lakeside Bank

Lakeside Bank is headquartered in Chicago and is the 34^th largest bank in the state of Illinois. It is also the 574^th largest bank in the nation. It was established in 1966 and as of March of 2012, it had grown to 119 employees at 6 locations. Lakeside Bank has a 4-star health rating.

Lakeside Bank CD Rates

Data for Q1 2012

Institution Statistics Lakeside Bank FDIC Certificate # 19573 BankRate Report View Year Established 1966 Employees 119 Primary Regulator FDIC Assets and Liabilities Assets $1.14 billion Loans $912.58 million Deposits $1.00 billion Equity Capital $123.57 million Loan Loss Allowance $21.04 million Unbacked Noncurrent Loans $40.48 million Real Estate Owned $19.04 million Historic Data - March 2011 Assets $1.06 billion Equity Capital $126.43 million Loan Loss Allowance $30.02 million Unbacked Noncurrent Loans $64.19 million Real Estate Owned $15.05 million Profit Margin - Quarterly Net Interest Margin 4.12% Return on Assets 1.3% Return on Equity 12.11% Interest Income $13.22 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 Lakeside Bank had $59.52 million in non-current loans and owned real-estate with $144.61 million in equity and loan loss allowances on hand to cover it. This gives Lakeside Bank a Texas Ratio of 41.16% 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 Lakeside Bank decreased slightly from 50.64% as of March 31, 2011 to 41.16% as of March 31, 2012, resulting in a positive change of 18.73%.This indicates that the balance sheet and financial strength for Lakeside Bank has improved slightly in recent periods. Deposit Growth In the past year, Lakeside Bank has increased its total deposits by $82.41 million, resulting in 8.94% 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 Lakeside 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. Lakeside Bank has $1.14 billion in assets with $144.61 million in equity, resulting in a capitalization level of 12.66%, which is excellent.

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