South Side Trust & Savings Bank of Peoria

South Side Trust & Savings Bank of Peoria is headquartered in Peoria and is the 59^th largest bank in the state of Illinois. It is also the 976^th largest bank in the nation. It was established in 1922 and as of March of 2012, it had grown to 172 employees at 14 locations. South Side Trust & Savings Bank of Peoria's savings rates are 15% higher than the national average, and it boasts a 5-star health rating.

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Data for Q1 2012

Institution Statistics South Side Trust & Savings Bank of Peoria FDIC Certificate # 12082 BankRate Report View Year Established 1922 Employees 172 Primary Regulator FDIC Assets and Liabilities Assets $677.05 million Loans $337.20 million Deposits $539.06 million Equity Capital $74.16 million Loan Loss Allowance $5.00 million Unbacked Noncurrent Loans $2.88 million Real Estate Owned $250,000 Historic Data - March 2011 Assets $657.19 million Equity Capital $68.09 million Loan Loss Allowance $4.43 million Unbacked Noncurrent Loans $1.97 million Real Estate Owned $592,000 Profit Margin - Quarterly Net Interest Margin 3.36% Return on Assets 0.94% Return on Equity 8.65% Interest Income $5.89 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 South Side Trust & Savings Bank of Peoria had $3.13 million in non-current loans and owned real-estate with $79.16 million in equity and loan loss allowances on hand to cover it. This gives South Side Trust & Savings Bank of Peoria a Texas Ratio of 3.95% 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 Side Trust & Savings Bank of Peoria held steady from 3.54% as of March 31, 2011 to 3.95% as of March 31, 2012, resulting in a negative change of 11.73%. This indicates that the balance sheet and financial strength for South Side Trust & Savings Bank of Peoria has held steady in recent periods. Deposit Growth In the past year, South Side Trust & Savings Bank of Peoria has increased its total deposits by $5.8 million, resulting in 1.09% 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 Side Trust & Savings Bank of Peoria 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 Side Trust & Savings Bank of Peoria has $677.05 million in assets with $79.16 million in equity, resulting in a capitalization level of 11.69%, which is above average.

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