South End Savings, s.b.

South End Savings, s.b. is headquartered in Homewood and is the 515^st largest bank in the state of Illinois. It is also the 6,785^th largest bank in the nation. It was established in 1914 and as of March of 2012, it had grown to 8 employees at 1 location. South End Savings, s.b. has a 5-star health rating.

South End Savings, s.b. Checking Account Rates

South End Savings, s.b. Savings Account Rates

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South End Savings, s.b. IRA Rates

Data for Q1 2012

Institution Statistics South End Savings, s.b. FDIC Certificate # 30568 BankRate Report View Year Established 1914 Employees 8 Primary Regulator FDIC Assets and Liabilities Assets $36.46 million Loans $16.83 million Deposits $30.83 million Equity Capital $5.49 million Loan Loss Allowance $74,000 Unbacked Noncurrent Loans $260,000 Historic Data - March 2011 Assets $35.31 million Equity Capital $5.42 million Loan Loss Allowance $59,000 Unbacked Noncurrent Loans $170,000 Profit Margin - Quarterly Net Interest Margin 2.71% Return on Assets -0.07% Return on Equity -0.44% Interest Income $308,000

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 South End Savings, s.b. had $260,000 in non-current loans and owned real-estate with $5.56 million in equity and loan loss allowances on hand to cover it. This gives South End Savings, s.b. a Texas Ratio of 4.67% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for South End Savings, s.b. held steady from 3.10% as of March 31, 2011 to 4.67% as of March 31, 2012, resulting in a negative change of 50.77%. This indicates that the balance sheet and financial strength for South End Savings, s.b. has held steady in recent periods. Deposit Growth In the past year, South End Savings, s.b. has increased its total deposits by $1.08 million, resulting in 3.62% 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 South End Savings, s.b. 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. South End Savings, s.b. has $36.46 million in assets with $5.56 million in equity, resulting in a capitalization level of 15.26%, which is excellent.

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