North Bank

North Bank is headquartered in Chicago and is the 317^st largest bank in the state of Illinois. It is also the 4,657^th largest bank in the nation. It was established in 1970 and as of March of 2012, it had grown to 26 employees at 2 locations. North Bank has a 3-star health rating.

North Bank Routing Number: 071001368

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Data for Q1 2012

Institution Statistics North Bank FDIC Certificate # 20152 BankRate Report View Year Established 1970 Employees 26 Primary Regulator FDIC Assets and Liabilities Assets $112.48 million Loans $56.44 million Deposits $99.71 million Equity Capital $10.28 million Loan Loss Allowance $1.07 million Unbacked Noncurrent Loans $1.71 million Real Estate Owned $451,000 Historic Data - March 2011 Assets $111.95 million Equity Capital $9.57 million Loan Loss Allowance $866,000 Unbacked Noncurrent Loans $836,000 Real Estate Owned $360,000 Profit Margin - Quarterly Net Interest Margin 3.82% Return on Assets 0.17% Return on Equity 1.83% Interest Income $1.10 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 North Bank had $2.16 million in non-current loans and owned real-estate with $11.36 million in equity and loan loss allowances on hand to cover it. This gives North Bank a Texas Ratio of 19.00% 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 North Bank increased slightly from 11.46% as of March 31, 2011 to 19.00% as of March 31, 2012, resulting in a negative change of 65.77%. This indicates that the balance sheet and financial strength for North Bank has declined slightly in recent periods. Deposit Growth In the past year, North Bank has decreased its total deposits by -$2.46 million, resulting in -2.4% 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 North 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. North Bank has $112.48 million in assets with $11.36 million in equity, resulting in a capitalization level of 10.10%, which is above average.

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