North County Savings Bank

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 368^th largest bank in the state of Illinois. It is also the 4,838^th largest bank in the nation. It was established in 1887 and as of March of 2019, it had grown to 12 employees at 3 locations. North County Savings Bank's money market rates are 70% higher than the national average, and it has a B health rating.

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Health

Data as of Q1 2019

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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	0.43%
Return on Equity - YTD	4.92%
Annual Interest Income	$446.00K

Assets and Liabilities
Assets	Q1 2019vs Q1 2018	$53.6MM$52.8MM
Loans	Q1 2019vs Q1 2018	$26.8MM$27.0MM
Deposits	Q1 2019vs Q1 2018	$48.9MM$48.2MM
Equity Capital	Q1 2019vs Q1 2018	$4.7MM$4.4MM
Loan Loss Allowance	Q1 2019vs Q1 2018	$130.00K$150.00K
Unbacked Noncurrent Loans	Q1 2019vs Q1 2018	$0$61.00K
Real Estate Owned	Q1 2019vs Q1 2018	$0$0

Rates

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Savings
Money Market
Checking
CD
IRA

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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
0.75%^*	$250k^*	-	Money Market
OTHER TIERS: 0.25% → Up to $100k \| 0.50% → $100k - $250k

North County Savings Bank Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
2.27%^*	-	$15k	Integrated Rewards Checking - Qualifying
OTHER TIERS: 0.10% → $15k+
0.25%^*	$1k^*	-	Super NOW Checking Account
OTHER TIERS: 0.10% → Up to $1k
0.10%	-	-	NOW Checking Account
0.10%	-	-	Business Interest Checking

North County Savings Bank CD Rates

APY	MIN	MAX	ACCOUNT NAME
2.27%	$500	-	60 Month CD
2.07%	$500	-	36 Month CD
2.01%	$1k	-	24 Month CD Special
1.76%	$500	-	30 Month CD
1.51%	$500	-	18 Month CD
1.26%	$500	-	12 Month CD
1.26%	$5k	-	12 Month Liquid CD
1.00%	$1k	-	6 Month CD
0.50%	$1k	-	91 Day CD
0.37%	$1k	-	7 Day CD

North County Savings Bank IRA Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
1.76%	$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

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