Oswego Community Bank

Oswego Community Bank is headquartered in Oswego and is the 200^th largest bank in the state of Illinois. It is also the 2,937^th largest bank in the nation. It was established in 1958 and as of March of 2012, it had grown to 36 employees at 3 locations. Oswego Community Bank has a 3-star health rating.

Oswego Community Bank Routing Number: 071922874

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Data for Q1 2012

Institution Statistics Oswego Community Bank FDIC Certificate # 17899 BankRate Report View Year Established 1958 Employees 36 Primary Regulator FDIC Assets and Liabilities Assets $216.77 million Loans $101.91 million Deposits $196.43 million Equity Capital $12.72 million Loan Loss Allowance $2.33 million Unbacked Noncurrent Loans $7.37 million Real Estate Owned $1.92 million Historic Data - March 2011 Assets $191.14 million Equity Capital $11.94 million Loan Loss Allowance $1.13 million Unbacked Noncurrent Loans $4.47 million Profit Margin - Quarterly Net Interest Margin 3.36% Return on Assets 0.19% Return on Equity 2.98% Interest Income $1.82 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 Oswego Community Bank had $9.29 million in non-current loans and owned real-estate with $15.04 million in equity and loan loss allowances on hand to cover it. This gives Oswego Community Bank a Texas Ratio of 61.73% 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 Oswego Community Bank increased slightly from 34.16% as of March 31, 2011 to 61.73% as of March 31, 2012, resulting in a negative change of 80.73%. This indicates that the balance sheet and financial strength for Oswego Community Bank has declined slightly in recent periods. Deposit Growth In the past year, Oswego Community Bank has increased its total deposits by $19.4 million, resulting in 10.96% 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 Oswego Community 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. Oswego Community Bank has $216.76 million in assets with $15.04 million in equity, resulting in a capitalization level of 6.94%, which is below average.

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