Lisle Savings Bank

1450 Maple
Lisle, IL 60532
630-852-3710
www.lislebank.com

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Lisle Savings Bank is headquartered in Lisle and is the 79^th largest bank in the state of Illinois. It is also the 1,310^st largest bank in the nation. It was established in 1917 and as of March of 2012, it had grown to 60 employees at 2 locations. Lisle Savings Bank has a 4-star health rating.

Lisle Savings Bank Routing Number: 271972404

4.25% for Terms 6 to 18 Months at Lisle Savings Bank in Illinois - 10/7/2008

Lisle Savings Bank has a competitive CD special with a yield of 4.25% APY for terms of 6, 9, 12 and 18 months. The minimum deposit is $4,000. The 4.25% APY is most competitive for terms under one year.It appears that a branch visit is required to open...

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

Lisle Savings Bank Checking Account Rates

Apy	Min	Max	Product
0.40%	$1k	-	Wall Street Checking
0.15%	$400	-	Interest Checking
0.15%	$100	-	Gold 50 Checking
0.15%	$700	-	Home Business Checking

Lisle Savings Bank Savings Account Rates

Apy	Min	Max	Product
0.55%	-	-	E-Saving
0.25%	$200	-	Statement Saving
0.25%	-	-	Small Saver Club
0.25%	$2,500	-	IRA Statement

Lisle Savings Bank Money Market Rates

	Apy	Min	Max	Product
	0.45%	$1k	-	Insured Money Market Account

Lisle Savings Bank CD Rates

Apy	Min	Max	Product
1.25%	$2k	-	42 Month CD
1.10%	$2k	-	30 Month CD
1.00%	$2k	-	24 Month CD
0.80%	$2k	-	18 Month CD
0.75%	$90k	-	365 Day Jumbo CD
0.70%	$2k	-	12 Month CD
0.40%	$2k	-	9 Month CD
0.30%	$2k	-	6 Month CD
0.30%	$90k	-	180 Day Jumbo CD

Lisle Savings Bank IRA Rates

Apy	Min	Max	Product
1.25%	$2k	-	42 Month IRA
1.10%	$2k	-	30 Month IRA
1.00%	$250	-	24 Month IRA
0.80%	$250	-	18 Month IRA
0.70%	$250	-	12 Month IRA
0.40%	$250	-	9 Month IRA
0.30%	$250	-	6 Month IRA

Rates updated: 5/26/2012

Data for Q1 2012

Institution Statistics

Lisle Savings Bank
FDIC Certificate #	29800
BankRate Report	View
Year Established	1917
Employees	60
Primary Regulator	FDIC
Assets and Liabilities
Assets	$516.90 million
Loans	$260.02 million
Deposits	$418.91 million
Equity Capital	$90.92 million
Loan Loss Allowance	$5.09 million
Unbacked Noncurrent Loans	$18.85 million
Real Estate Owned	$606,000
Historic Data - March 2011
Assets	$522.41 million
Equity Capital	$86.67 million
Loan Loss Allowance	$3.93 million
Unbacked Noncurrent Loans	$18.66 million
Real Estate Owned	$5.79 million
Profit Margin - Quarterly
Net Interest Margin	2.98%
Return on Assets	0.69%
Return on Equity	3.94%
Interest Income	$4.42 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 Lisle Savings Bank had $19.46 million in non-current loans and owned real-estate with $96.01 million in equity and loan loss allowances on hand to cover it. This gives Lisle Savings Bank a Texas Ratio of 20.27% 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 Lisle Savings Bank decreased slightly from 26.99% as of March 31, 2011 to 20.27% as of March 31, 2012, resulting in a positive change of 24.89%.This indicates that the balance sheet and financial strength for Lisle Savings Bank has improved slightly in recent periods.
Deposit Growth
In the past year, Lisle Savings Bank has decreased its total deposits by -$10.77 million, resulting in -2.51% 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 Lisle Savings Bank has shown is below 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. Lisle Savings Bank has $516.9 million in assets with $96.01 million in equity, resulting in a capitalization level of 18.57%, which is excellent.