West Town Savings Bank

West Town Savings Bank is headquartered in Cicero and is the 296^th largest bank in the state of Illinois. It is also the 4,309^th largest bank in the nation. It was established in 1922 and as of March of 2012, it had grown to 162 employees at 2 locations. West Town Savings Bank has a 3-star health rating.

West Town Savings Bank Routing Number: 271971599

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Data for Q1 2012

Institution Statistics West Town Savings Bank FDIC Certificate # 28151 BankRate Report View Year Established 1922 Employees 162 Primary Regulator FDIC Assets and Liabilities Assets $127.58 million Loans $109.26 million Deposits $112.42 million Equity Capital $11.03 million Loan Loss Allowance $1.25 million Unbacked Noncurrent Loans $5.75 million Real Estate Owned $1.24 million Historic Data - March 2011 Assets $109.40 million Equity Capital $8.94 million Loan Loss Allowance $834,000 Unbacked Noncurrent Loans $4.59 million Real Estate Owned $917,000 Profit Margin - Quarterly Net Interest Margin 3.72% Return on Assets 2.41% Return on Equity 29.27% Interest Income $1.45 million

Institution Health Overall Score: 3 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 West Town Savings Bank had $6.99 million in non-current loans and owned real-estate with $12.28 million in equity and loan loss allowances on hand to cover it. This gives West Town Savings Bank a Texas Ratio of 56.93% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for West Town Savings Bank held steady from 56.39% as of March 31, 2011 to 56.93% as of March 31, 2012, resulting in a negative change of 0.96%. This indicates that the balance sheet and financial strength for West Town Savings Bank has held steady in recent periods. Deposit Growth In the past year, West Town Savings Bank has increased its total deposits by $12.85 million, resulting in 12.91% 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 West Town Savings Bank has shown is excellent. 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. West Town Savings Bank has $127.58 million in assets with $12.28 million in equity, resulting in a capitalization level of 9.62%, which is average.