The Leaders Bank

The Leaders Bank is headquartered in Oak Brook and is the 93^rd largest bank in the state of Illinois. It is also the 1,547^th largest bank in the nation. It was established in 2000 and as of March of 2012, it had grown to 45 employees at 2 locations. The Leaders Bank has a 2-star health rating.

The Leaders Bank Routing Number: 071926061

Data for Q1 2012

Institution Statistics The Leaders Bank FDIC Certificate # 35422 BankRate Report View Year Established 2000 Employees 45 Primary Regulator FDIC Assets and Liabilities Assets $431.27 million Loans $326.23 million Deposits $397.40 million Equity Capital $32.01 million Loan Loss Allowance $19.45 million Unbacked Noncurrent Loans $35.70 million Real Estate Owned $17.79 million Historic Data - March 2011 Assets $589.90 million Equity Capital $27.60 million Loan Loss Allowance $18.71 million Unbacked Noncurrent Loans $48.24 million Real Estate Owned $14.31 million Profit Margin - Quarterly Net Interest Margin 3.44% Return on Assets 0.23% Return on Equity 5.56% Interest Income $4.63 million

Institution Health Overall Score: 2 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 Leaders Bank had $53.5 million in non-current loans and owned real-estate with $51.46 million in equity and loan loss allowances on hand to cover it. This gives The Leaders Bank a Texas Ratio of 103.95% 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 Leaders Bank decreased slightly from 135.09% as of March 31, 2011 to 103.95% as of March 31, 2012, resulting in a positive change of 23.05%.This indicates that the balance sheet and financial strength for The Leaders Bank has improved slightly in recent periods. Deposit Growth In the past year, The Leaders Bank has decreased its total deposits by -$155.22 million, resulting in -28.09% 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 The Leaders 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 Leaders Bank has $431.27 million in assets with $51.46 million in equity, resulting in a capitalization level of 11.93%, which is above average.

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