Northside Community Bank

Northside Community Bank is headquartered in Gurnee and is the 118^st largest bank in the state of Illinois. It is also the 1,830^th largest bank in the nation. It was established in 1997 and as of March of 2012, it had grown to 42 employees at 5 locations. Northside Community Bank has a 3-star health rating.

Northside Community Bank Routing Number: 071925680

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Data for Q1 2012

Institution Statistics Northside Community Bank FDIC Certificate # 34416 BankRate Report View Year Established 1997 Employees 42 Primary Regulator FED Assets and Liabilities Assets $361.93 million Loans $307.08 million Deposits $286.92 million Equity Capital $58.34 million Loan Loss Allowance $13.85 million Unbacked Noncurrent Loans $31.22 million Real Estate Owned $15.61 million Historic Data - March 2011 Assets $419.35 million Equity Capital $59.60 million Loan Loss Allowance $13.28 million Unbacked Noncurrent Loans $29.42 million Real Estate Owned $15.60 million Profit Margin - Quarterly Net Interest Margin 4.61% Return on Assets -0.05% Return on Equity -0.33% Interest Income $4.25 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 Northside Community Bank had $46.83 million in non-current loans and owned real-estate with $72.19 million in equity and loan loss allowances on hand to cover it. This gives Northside Community Bank a Texas Ratio of 64.87% 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 Northside Community Bank held steady from 61.77% as of March 31, 2011 to 64.87% as of March 31, 2012, resulting in a negative change of 5.03%. This indicates that the balance sheet and financial strength for Northside Community Bank has held steady in recent periods. Deposit Growth In the past year, Northside Community Bank has decreased its total deposits by -$51.27 million, resulting in -15.16% 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 Northside 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. Northside Community Bank has $361.93 million in assets with $72.19 million in equity, resulting in a capitalization level of 19.95%, which is excellent.

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