North County Savings Bank

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LOCATIONS

Integrated Rewards Checking

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Popular Accounts at this Bank

APY	ACCOUNT TYPE	ACCOUNT NAME
2.02%	Reward Checking	Integrated Rewards Checking 1.83% - National Average
2.01%	5-year CD	60 Month CD 2.35% - Synchrony Bank 60 Month CD
0.75%	1-year CD	12 Month Liquid CD Special 1.40% - Synchrony Bank 12 Month CD

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Overview / Commentary

www.ncsbank.com

618-282-3939

411 West Market Street
Red Bud, IL 62278

North County Savings Bank is headquartered in Red Bud and is the 397^th largest bank in the state of Illinois. It is also the 5,295^th largest bank in the nation. It was established in 1887 and as of March of 2017, it had grown to 12 employees at 3 locations. North County Savings Bank's money market rates are 14% higher than the national average, and it has a B+ health rating.

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Health

B+

Data as of Q1 2017

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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on equity can represent an instability risk beyond what their financial ratios indicate. North County Savings Bank has a relatively low asset base.

Health Grade Components

Overall
FDIC Certificate #	30656
Year Established	1887
Employees	12
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	0.49%
Return on Equity - YTD	5.89%
Annual Interest Income	$378.00K

Assets and Liabilities
Assets	Q1 2017vs Q1 2016	$50.6MM$48.1MM
Loans	Q1 2017vs Q1 2016	$27.7MM$26.9MM
Deposits	Q1 2017vs Q1 2016	$46.2MM$43.9MM
Equity Capital	Q1 2017vs Q1 2016	$4.2MM$4.0MM
Loan Loss Allowance	Q1 2017vs Q1 2016	$150.00K$145.00K
Unbacked Noncurrent Loans	Q1 2017vs Q1 2016	$61.00K$0
Real Estate Owned	Q1 2017vs Q1 2016	$0$0

Rates

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Money Market
Checking
CD
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

North County Savings Bank Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.50%	-	-	Christmas Club
0.10%	-	-	Passbook Savings

North County Savings Bank Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.50%^*	$250k^*	-	Money Market
OTHER TIERS: 0.10% → Up to $2,500 \| 0.25% → $2,500 - $100k \| 0.35% → $100k - $250k

North County Savings Bank Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
2.02%^*	$100^*	$15k	Integrated Rewards Checking - Qualifying
OTHER TIERS: 0.10% → $15k+
0.10%	$300	-	NOW Checking Account
0.10%	-	-	Super NOW Checking Account
0.10%	-	-	Business Interest Checking

North County Savings Bank CD Rates

APY	MIN	MAX	ACCOUNT NAME
2.01%	$500	-	60 Month CD
1.51%	$1k	-	35 Month CD Special
1.26%	$500	-	36 Month CD
1.10%	$500	-	30 Month CD
1.00%	$1k	-	24 Month CD Special
0.95%	$500	-	18 Month CD
0.90%	$500	-	12 Month CD
0.75%	$5k	-	12 Month Liquid CD Special
0.50%	$1k	-	6 Month CD
0.35%	$1k	-	91 Day CD
0.25%	$1k	-	7-31 Day CD

North County Savings Bank IRA Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
1.00%	$100	-	18 Month Fixed IRA

Locations

North County Savings Bank Locations
Ruma Branch	101 Main Street	Red Bud, IL 62278
North County Savings Bank	411 West Market Street	Red Bud, IL 62278
Liberty St Branch	606 Liberty Street	Evansville, IL 62242