Ottawa Savings Bank

Ottawa Savings Bank is headquartered in Ottawa and is the 226^th largest bank in the state of Illinois. It is also the 3,299^th largest bank in the nation. It was established in 1871 and as of March of 2012, it had grown to 22 employees at 1 location. Ottawa Savings Bank has a 3-star health rating.

Ottawa Savings Bank Routing Number: 271972925

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Ottawa Savings Bank CD Rates

Data for Q1 2012

Institution Statistics Ottawa Savings Bank OTS # 17997 FDIC Certificate # 27989 BankRate Report View Year Established 1871 Employees 22 Primary Regulator OCC Assets and Liabilities Assets $186.02 million Loans $126.36 million Deposits $163.36 million Equity Capital $20.00 million Loan Loss Allowance $4.87 million Unbacked Noncurrent Loans $8.71 million Real Estate Owned $354,000 Historic Data - March 2011 Assets $191.64 million Equity Capital $21.20 million Loan Loss Allowance $4.79 million Unbacked Noncurrent Loans $7.76 million Real Estate Owned $844,000 Profit Margin - Quarterly Net Interest Margin 3.46% Return on Assets 0.53% Return on Equity 4.91% Interest Income $2.03 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 Ottawa Savings Bank had $9.06 million in non-current loans and owned real-estate with $24.86 million in equity and loan loss allowances on hand to cover it. This gives Ottawa Savings Bank a Texas Ratio of 36.45% 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 Ottawa Savings Bank held steady from 32.82% as of March 31, 2011 to 36.45% as of March 31, 2012, resulting in a negative change of 11.05%. This indicates that the balance sheet and financial strength for Ottawa Savings Bank has held steady in recent periods. Deposit Growth In the past year, Ottawa Savings Bank has decreased its total deposits by -$4.54 million, resulting in -2.71% 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 Ottawa Savings Bank has shown is below 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. Ottawa Savings Bank has $186.02 million in assets with $24.86 million in equity, resulting in a capitalization level of 13.37%, which is excellent.

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