Financial Instruments with Off-Balance Sheet Risk

3 Months Ended

Mar. 31, 2012

Financial Instruments with Off-Balance Sheet Risk

Financial Instruments with Off-Balance Sheet Risk

Note 5 - Financial Instruments with Off-Balance Sheet Risk

Unused lines of credit and other commitments to extend credit not reflected in the financial statements are as follows:

	March 31, 2012						December 31, 2011
	Fixed Rate		Variable Rate		Total		Fixed Rate		Variable Rate		Total
Commercial loans and lines of credit	$	3,868	$	134,504	$	138,372	$	2,522	$	120,710	$	123,232
Check credit lines of credit	833		—		833		867		—		867
Mortgage loans	6,403		—		6,403		5,258		—		5,258
Home equity lines of credit	1,088		127,918		129,006		1,379		129,021		130,400
Letters of credit	—		6,645		6,645		—		6,537		6,537
Credit card lines of credit	—		29,034		29,034		—		29,349		29,349
Total	$	12,192	$	298,101	$	310,293	$	10,026	$	285,617	$	295,643

Fixed rate commercial loan commitments and lines of credit at March 31, 2012 had interest rates ranging from 4.0% to 7.2% with terms ranging from two months to five years. Fixed rate mortgage loan commitments at March 31, 2012 had interest rates ranging from 3.4% to 4.9% with terms ranging from six to 30 years. Fixed rate home equity lines of credit at March 31, 2012 had interest rates ranging from 3.0% to 7.0% with terms ranging from one month to 20 years. Fixed rate check credit lines of credit at March 31, 2012 had interest rates of 18.0%.

WEST SUBURBAN BANCORP INC 10-Q/A