North County Savings Bank

North County Savings Bank is headquartered in Red Bud and is the 495^th largest bank in the state of Illinois. It is also the 6,556^th largest bank in the nation. It was established in 1887 and as of March of 2012, it had grown to 12 employees at 3 locations. North County Savings Bank's savings rates are 92% higher than the national average, and it boasts a 5-star health rating.

North County Savings Bank Routing Number: 281971424

North County Savings Bank Checking Account Rates

North County Savings Bank Savings Account Rates

North County Savings Bank Money Market Rates

North County Savings Bank CD Rates

Data for Q1 2012

Institution Statistics North County Savings Bank FDIC Certificate # 30656 BankRate Report View Year Established 1887 Employees 12 Primary Regulator FDIC Assets and Liabilities Assets $43.38 million Loans $24.00 million Deposits $39.90 million Equity Capital $3.32 million Loan Loss Allowance $107,000 Historic Data - March 2011 Assets $39.86 million Equity Capital $3.10 million Loan Loss Allowance $114,000 Unbacked Noncurrent Loans $184,000 Profit Margin - Quarterly Net Interest Margin 3.04% Return on Assets 0.55% Return on Equity 6.93% Interest Income $389,000

Institution Health Overall Score: 5 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 County Savings Bank had $0 in non-current loans and owned real-estate with $3.42 million in equity and loan loss allowances on hand to cover it. This gives North County Savings Bank a Texas Ratio of 0.00% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Deposit Growth In the past year, North County Savings Bank has increased its total deposits by $3.28 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 North County Savings 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. North County Savings Bank has $43.38 million in assets with $3.42 million in equity, resulting in a capitalization level of 7.89%, which is below average.

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