North Shore Trust and Savings

North Shore Trust and Savings is headquartered in Waukegan and is the 164^th largest bank in the state of Illinois. It is also the 2,462^nd largest bank in the nation. It was established in 1921 and as of March of 2012, it had grown to 43 employees at 3 locations. North Shore Trust and Savings has a 4-star health rating.

North Shore Trust and Savings Checking Account Rates

North Shore Trust and Savings Savings Account Rates

North Shore Trust and Savings Money Market Rates

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North Shore Trust and Savings IRA Rates

Data for Q1 2012

Institution Statistics North Shore Trust and Savings OTS # 00108 FDIC Certificate # 27683 BankRate Report View Year Established 1921 Employees 43 Primary Regulator OCC Assets and Liabilities Assets $261.46 million Loans $136.21 million Deposits $216.68 million Equity Capital $42.77 million Loan Loss Allowance $1.17 million Unbacked Noncurrent Loans $2.93 million Real Estate Owned $722,000 Historic Data - March 2011 Assets $264.44 million Equity Capital $42.54 million Loan Loss Allowance $811,000 Unbacked Noncurrent Loans $2.60 million Real Estate Owned $2.03 million Profit Margin - Quarterly Net Interest Margin 2.78% Return on Assets 0.32% Return on Equity 1.98% Interest Income $2.14 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 North Shore Trust and Savings had $3.66 million in non-current loans and owned real-estate with $43.94 million in equity and loan loss allowances on hand to cover it. This gives North Shore Trust and Savings a Texas Ratio of 8.32% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for North Shore Trust and Savings decreased slightly from 12.12% as of March 31, 2011 to 8.32% as of March 31, 2012, resulting in a positive change of 31.35%.This indicates that the balance sheet and financial strength for North Shore Trust and Savings has improved slightly in recent periods. Deposit Growth In the past year, North Shore Trust and Savings has decreased its total deposits by -$2.14 million, resulting in -0.98% 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 Shore Trust and Savings has shown is 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 Shore Trust and Savings has $261.46 million in assets with $43.94 million in equity, resulting in a capitalization level of 16.81%, which is excellent.

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