North Community Bank

North Community Bank is headquartered in Chicago and is the 44^th largest bank in the state of Illinois. It is also the 695^th largest bank in the nation. It was established in 1972 and as of March of 2012, it had grown to 275 employees at 41 locations. North Community Bank has a 1-star health rating.

North Community Bank Routing Number: 071001533

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Data for Q1 2012

Institution Statistics North Community Bank FDIC Certificate # 20624 BankRate Report View Year Established 1972 Employees 275 Primary Regulator FDIC Assets and Liabilities Assets $951.42 million Loans $666.49 million Deposits $848.70 million Equity Capital $77.62 million Loan Loss Allowance $27.61 million Unbacked Noncurrent Loans $71.81 million Real Estate Owned $42.95 million Historic Data - March 2011 Assets $1.00 billion Equity Capital $85.37 million Loan Loss Allowance $35.43 million Unbacked Noncurrent Loans $65.31 million Real Estate Owned $23.18 million Profit Margin - Quarterly Net Interest Margin 4.43% Return on Assets -1.1% Return on Equity -13.31% Interest Income $9.94 million

Institution Health Overall Score: 1 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 Community Bank had $114.76 million in non-current loans and owned real-estate with $105.23 million in equity and loan loss allowances on hand to cover it. This gives North Community Bank a Texas Ratio of 109.05% which is poor. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for North Community Bank increased slightly from 73.26% as of March 31, 2011 to 109.05% as of March 31, 2012, resulting in a negative change of 48.86%. This indicates that the balance sheet and financial strength for North Community Bank has declined slightly in recent periods. Deposit Growth In the past year, North Community Bank has decreased its total deposits by -$45.12 million, resulting in -5.05% 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 Community Bank has shown is poor. 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 Community Bank has $951.42 million in assets with $105.23 million in equity, resulting in a capitalization level of 11.06%, which is above average.

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