North Side Federal Savings and Loan Association of Chicago

North Side Federal Savings and Loan Association of Chicago is headquartered in Chicago and is the 502^nd largest bank in the state of Illinois. It is also the 6,613^st largest bank in the nation. It was established in 1934 and as of March of 2012, it had grown to 10 employees at 1 location. North Side Federal Savings and Loan Association of Chicago's savings rates are 35% higher than the national average, and it has a 4-star health rating.

North Side Federal Savings and Loan Association of Chicago Checking Account Rates

North Side Federal Savings and Loan Association of Chicago Savings Account Rates

North Side Federal Savings and Loan Association of Chicago Money Market Rates

North Side Federal Savings and Loan Association of Chicago CD Rates

North Side Federal Savings and Loan Association of Chicago IRA Rates

Data for Q1 2012

Institution Statistics North Side Federal Savings and Loan Association of Chicago OTS # 03468 FDIC Certificate # 29449 BankRate Report View Year Established 1934 Employees 10 Primary Regulator OCC Assets and Liabilities Assets $41.91 million Loans $29.25 million Deposits $36.92 million Equity Capital $4.81 million Loan Loss Allowance $491,000 Unbacked Noncurrent Loans $1.59 million Real Estate Owned $144,000 Historic Data - March 2011 Assets $39.91 million Equity Capital $4.96 million Loan Loss Allowance $275,000 Unbacked Noncurrent Loans $1.53 million Profit Margin - Quarterly Net Interest Margin 4.04% Return on Assets 0.15% Return on Equity 1.33% Interest Income $433,000

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 Side Federal Savings and Loan Association of Chicago had $1.74 million in non-current loans and owned real-estate with $5.3 million in equity and loan loss allowances on hand to cover it. This gives North Side Federal Savings and Loan Association of Chicago a Texas Ratio of 32.76% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for North Side Federal Savings and Loan Association of Chicago held steady from 29.25% as of March 31, 2011 to 32.76% as of March 31, 2012, resulting in a negative change of 12.02%. This indicates that the balance sheet and financial strength for North Side Federal Savings and Loan Association of Chicago has held steady in recent periods. Deposit Growth In the past year, North Side Federal Savings and Loan Association of Chicago has increased its total deposits by $2.08 million, resulting in 5.98% 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 Side Federal Savings and Loan Association of Chicago 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 Side Federal Savings and Loan Association of Chicago has $41.9 million in assets with $5.3 million in equity, resulting in a capitalization level of 12.66%, which is excellent.

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