A J Smith Federal Savings Bank

14757 S Cicero Ave
Midlothian, IL 60445

 

2018 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 27831
Date Established 1924
Assets $0.19 billion
Loans $0.10 billion
Deposits $0.16 billion
Capital $0.03 billion

A J Smith Federal Savings Bank is an FDIC insured institution located in Midlothian, IL. It was founded in 1924 and has approximately $0.19 billion in assets. Customers can open an account at one of its 3 branches.

For a more detailed analysis of A J Smith Federal Savings Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Bank Loan Profile?

The top three loan types in A J Smith Federal Savings Bank’s loan portfolio are 1-4 Family Residential Loans, Commercial Real Estate, and Multifamily Mortgages.

Compared to other banks in Illinois, A J Smith Federal Savings Bank has a significantly higher percent of 1-4 Family Residential Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 94.28
Multifamily
Mortgages
1.61
Credit Card Loans 0.00
Consumer Auto Loans 0.00
Small Business Loans 0.00
Construction and Development Loans 0.00
Commercial Real Estate 4.78
Commercial and Industrial Loans 0.01
Farm Loans 0.00

Deposit Rates - September 20, 2018

Your Current Location: Virginia, VA 20146

CD Rates APY MIN MAX
3 Mo CD 10K
0.20% $2,500 - Learn MoreShow Less
6 Mo CD 10K
0.60% $2,500 - Learn MoreShow Less
Savings Rates APY MIN MAX
Fixed IRA Rates APY MIN MAX
Fixed IRA 0K
1.10% $500 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
Var IRA 0K
0.10% $200 - Learn MoreShow Less
MM Rates APY MIN MAX
MM 10K
0.15% $2,500 $24,999 Learn MoreShow Less
MM 25K
0.20% $25,000 $99,999 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg 0K
0.01% $500 $2,499 Learn MoreShow Less
Int Ckg 2.5K
0.01% $2,500 $24,999 Learn MoreShow Less

Loan Rates - September 20, 2018

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for A J Smith Federal Savings Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2018

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Payment
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NMLS ID: 181005
4.807% 4.750% 0.25 $1,734 $1,305 Learn More
AimLoan.com NMLS#2890
NMLS ID: 2890
License#: MC-3098
4.550% 4.500% 0.13 $1,562 $1,267 Learn More
PenFed Credit Union
NMLS ID: 401822
4.836% 4.750% 0.00 $2,500 $1,305 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
5.375% 5.375% 0.00 $0 $1,400 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2018

Lender Rate (%) Monthly Payment Learn More
Third Federal Savings & Loan Assoc. of Cleveland 4.240% $245.68 Learn More
Flagstar Bank 5.740% $291.47 Learn More

Note to A J Smith Federal Savings Bank
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Branches

A J Smith Federal Savings Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Ashburn,Virginia


A J Smith Federal Savings Bank Locations

Financial Details

A J Smith Federal Savings Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of A J Smith Federal Savings Bank. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
A J Smith Federal Savings Bank U.S. Bank Average
5.28% 7.92%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of March 31, 2018, A J Smith Federal Savings Bank had $1,310,000 in non-current loans and $267,000 in owned real estate. To cover these potential losses it had $29,115,000 in equity and $773,000 in loans loss reserves. That gives it a Texas Ratio of 5.28%.

Return on Equity
A J Smith Federal Savings Bank U.S. Bank Average
2.23% 9.35%

A J Smith Federal Savings Bank has a Return on Equity of 2.23% versus the BestCashCow average of 9.35%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
A J Smith Federal Savings Bank U.S. Bank Average
15.02% 12.01%

A J Smith Federal Savings Bank has a Capitalization of 15.02% versus the BestCashCow average of 12.01. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

A J Smith Federal Savings Bank Balance Sheet Analysis

As of March 31, 2018, A J Smith Federal Savings Bank had assets of $193,870,000, loans of $100,937,000, and deposits of $162,316,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

ASSETS
Cash & Balances due from depository institutions $0.04 billion
Interest-bearing balances $0.03 billion
Total securities $0.04 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.10 billion
Loan loss allowance $0.00 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.00 billion
All other assets $0.01 billion
     Total Assets $0.16 billion
LIABILITIES
Total deposits $0.16 billion
      Interest-bearing deposits $0.13 billion
      Deposits held in domestic offices $0.16 billion
      % insured (estimated) 91.63%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.00 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.16 billion
      Shareholders’ Equity $0.03 billion

Summary Income Statement

INCOME AND EXPENSES
Total Interest Income $0.00 billion
Total Interest Expense $0.00 billion
Net interest income $0.00 billion
Provision for loan and lease losses $-0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.00 billion
Pre-tax Net Operating Income $0.00 billion

Frequently Asked Questions About A J Smith Federal Savings Bank

Branches and Savings

Is A J Smith Federal Savings Bank FDIC insured?

Yes. It is covered under FDIC Certificate #27831.

Why does A J Smith Federal Savings Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are A J Smith Federal Savings Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is A J Smith Federal Savings Bank a commercial bank?

Yes

Where are A J Smith Federal Savings Bank locations?

See branch locations nearby.

Is A J Smith Federal Savings Bank open on Saturdays?

Is A J Smith Federal Savings Bank open on Sundays?

What time does A J Smith Federal Savings Bank open?

What time does A J Smith Federal Savings Bank close?

Are A J Smith Federal Savings Bank ATMs Open 24/7?

Do A J Smith Federal Savings Bank ATMs accept cash deposits?

Can A J Smith Federal Savings Bank customers use other ATMs?

Do A J Smith Federal Savings Bank branches have notaries?

Will A J Smith Federal Savings Bank notarize my document?

What address for A J Smith Federal Savings Bank should I put for incoming ACH transfers?

Will the A J Smith Federal Savings Bank branch print checks?

Do A J Smith Federal Savings Bank checks expire?

Does A J Smith Federal Savings Bank require US citizenship to open account?

Can A J Smith Federal Savings Bank close my account?

Does A J Smith Federal Savings Bank Report to credit bureaus?

Does A J Smith Federal Savings Bank Use Equifax?

What is A J Smith Federal Savings Bank's ACH Routing Number?

What is A J Smith Federal Savings Bank's SWIFT code?

Products

Does A J Smith Federal Savings Bank offer mortgages?

Compare mortgage rates here.

Does A J Smith Federal Savings Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does A J Smith Federal Savings Bank offer personal loans?

Compare personal loan rates here.

Does A J Smith Federal Savings Bank offer student loans?

Will A J Smith Federal Savings Bank cash a check?

Will A J Smith Federal Savings Bank redeem a savings bond?

Does A J Smith Federal Savings Bank cash savings bonds?

Will A J Smith Federal Savings Bank cash money orders?

Can A J Smith Federal Savings Bank issue a money order?

Does A J Smith Federal Savings Bank do currency exchange?

Background on The Bank

Who owns A J Smith Federal Savings Bank?

How long has A J Smith Federal Savings Bank been around?

Can A J Smith Federal Savings Bank transfer to other banks?

Does A J Smith Federal Savings Bank have quick pay?

Does A J Smith Federal Savings Bank accept rolled coins?

Will A J Smith Federal Savings Bank accept loose change?

Where is A J Smith Federal Savings Bank headquarters?

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