The Foster Bank

The Foster Bank is headquartered in Chicago and is the 92^nd largest bank in the state of Illinois. It is also the 1,515^st largest bank in the nation. It was established in 1989 and as of March of 2012, it had grown to 113 employees at 10 locations. The Foster Bank's savings rates are 44% higher than the national average, but it has a 1-star health rating.

The Foster Bank Routing Number: 071006282

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Data for Q1 2012

Institution Statistics The Foster Bank FDIC Certificate # 27447 BankRate Report View Year Established 1989 Employees 113 Primary Regulator FDIC Assets and Liabilities Assets $440.58 million Loans $373.23 million Deposits $350.00 million Equity Capital $31.36 million Loan Loss Allowance $14.46 million Unbacked Noncurrent Loans $34.46 million Real Estate Owned $10.29 million Historic Data - March 2011 Assets $540.03 million Equity Capital $50.38 million Loan Loss Allowance $9.39 million Unbacked Noncurrent Loans $21.61 million Real Estate Owned $8.74 million Profit Margin - Quarterly Net Interest Margin 4.51% Return on Assets -1.28% Return on Equity -18.05% Interest Income $5.22 million

Institution Health Overall Score: 1 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 The Foster Bank had $44.75 million in non-current loans and owned real-estate with $45.82 million in equity and loan loss allowances on hand to cover it. This gives The Foster Bank a Texas Ratio of 97.67% which is poor. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for The Foster Bank increased slightly from 50.89% as of March 31, 2011 to 97.67% as of March 31, 2012, resulting in a negative change of 91.93%. This indicates that the balance sheet and financial strength for The Foster Bank has declined slightly in recent periods. Deposit Growth In the past year, The Foster Bank has decreased its total deposits by -$87.02 million, resulting in -19.91% 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 The Foster Bank has shown is poor. 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. The Foster Bank has $440.58 million in assets with $45.82 million in equity, resulting in a capitalization level of 10.40%, which is above average.