Park Ridge Community Bank

Park Ridge Community Bank is headquartered in Park Ridge and is the 159^th largest bank in the state of Illinois. It is also the 2,437^th largest bank in the nation. It was established in 1995 and as of March of 2012, it had grown to 21 employees at 1 location. Park Ridge Community Bank has a 5-star health rating.

Park Ridge Community Bank Routing Number: 071925525

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Data for Q1 2012

Institution Statistics Park Ridge Community Bank FDIC Certificate # 34038 BankRate Report View Year Established 1995 Employees 21 Primary Regulator FDIC Assets and Liabilities Assets $264.82 million Loans $151.64 million Deposits $229.22 million Equity Capital $29.68 million Loan Loss Allowance $3.14 million Unbacked Noncurrent Loans $867,000 Real Estate Owned $3.92 million Historic Data - March 2011 Assets $262.11 million Equity Capital $28.46 million Loan Loss Allowance $3.26 million Unbacked Noncurrent Loans $1.61 million Real Estate Owned $5.37 million Profit Margin - Quarterly Net Interest Margin 3.47% Return on Assets 1.34% Return on Equity 12% Interest Income $2.34 million

Institution Health Overall Score: 5 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 Park Ridge Community Bank had $4.78 million in non-current loans and owned real-estate with $32.82 million in equity and loan loss allowances on hand to cover it. This gives Park Ridge Community Bank a Texas Ratio of 14.57% 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 Park Ridge Community Bank decreased slightly from 22.02% as of March 31, 2011 to 14.57% as of March 31, 2012, resulting in a positive change of 33.83%.This indicates that the balance sheet and financial strength for Park Ridge Community Bank has improved slightly in recent periods. Deposit Growth In the past year, Park Ridge Community Bank has increased its total deposits by $3.2 million, resulting in 1.41% 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 Park Ridge Community Bank has shown is above 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. Park Ridge Community Bank has $264.82 million in assets with $32.82 million in equity, resulting in a capitalization level of 12.39%, which is excellent.

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