Central Bank Illinois

101 North State Street
Geneseo, IL 61254
309-944-5601
www.central-bank.com

OverView
Rates
Health
Reviews

Central Bank Illinois is headquartered in Geneseo and is the 98^th largest bank in the state of Illinois. It is also the 1,633^rd largest bank in the nation. It was established in 1907 and as of December of 2011, it had grown to 82 employees at 5 locations. Central Bank Illinois' money market rates are 14% higher than the national average, and it boasts a 5-star health rating.

Central Bank Illinois Routing Number: 071105002

Report an Issue

See Rates for: Checking | Savings | Money Market | CD

Central Bank Illinois Checking Account Rates

Apy	Min	Max	Product
0.20%	$10k	-	Value Plus Checking Account - Genese/Andover
0.20%	$10k	-	Image Plus Checking Account - Genese/Andover
0.20%	$10k	-	Business Plus Checking Account - Genese/Andover
0.20%	$10k	-	Value Plus Checking Account - Fulton
0.20%	$10k	-	Image Plus Checking Account - Fulton
0.20%	$10k	-	Business Plus Checking Account - Fulton
0.20%	$10k	-	Value Plus Checking Account - Princeton
0.20%	$10k	-	Image Plus Checking Account - Princeton
0.20%	$10k	-	Business Plus Checking Account - Princeton

Central Bank Illinois Savings Account Rates

Apy	Min	Max	Product
0.35%	$10k	-	Health Savings Accounts - Genese/Andover
0.35%	$1k	-	Educational IRA Account - Genese/Andover
0.35%	$1k	-	Traditional IRA Account - Genese/Andover
0.35%	$1k	-	Roth IRA Account - Genese/Andover
0.35%	$10k	-	Health Savings Accounts - Fulton
0.35%	$1k	-	Traditional IRA Account - Fulton
0.35%	$1k	-	Roth IRA Account - Fulton
0.35%	$1k	-	Educational IRA Account - Fulton
0.35%	-	-	Statement Savings Account - Princeton
0.35%	$10k	-	Health Savings Accounts - Princeton
0.35%	$1k	-	Traditional IRA Account - Princeton
0.35%	$1k	-	Roth IRA Account - Princeton
0.35%	$1k	-	Educational IRA Account - Princeton
0.20%	-	-	Statement Savings Account - Genese/Andover
0.20%	-	-	Statement Savings Account - Fulton

Central Bank Illinois Money Market Rates

Apy	Min	Max	Product
0.50%	$250k	-	Personal Premium Money Market Savings Account - Genese/Andover
0.50%	$250k	-	Business Premium Money Market Savings Account - Genese/Andover
0.50%	$250k	-	Personal Premium Money Market Savings Account - Fulton
0.50%	$250k	-	Business Premium Money Market Savings Account - Fulton
0.35%	$25k	-	Personal Money Market Savings Account - Genese/Andover
0.35%	$25k	-	Business Money Market Savings Account - Genese/Andover
0.35%	$25k	-	Personal Money Market Savings Account - Fulton
0.35%	$25k	-	Business Money Market Savings Account - Fulton
0.35%	$25k	-	Personal Money Market Savings Account - Princeton
0.35%	$25k	-	Business Money Market Savings Account - Princeton
0.35%	$25k	-	Premium Money Market Savings Account - Princeton
0.35%	$25k	-	Business Premium Money Market Savings Account - Princeton

Central Bank Illinois CD Rates

Apy	Min	Max	Product
2.00%	$1k	-	60 Month CD - Princeton
1.85%	$10k	-	60 Month CD - Fulton
1.50%	$10k	-	60 Month CD - Genese/Andover
1.35%	$10k	-	30 Month CD - Fulton
1.15%	$1k	-	30 Month CD - Princeton
1.10%	$10k	-	30 Month CD - Genese/Andover
0.80%	$10k	-	18 Month CD - Fulton
0.75%	$10k	-	18 Month CD - Genese/Andover
0.60%	$10k	-	12 Month CD - Genese/Andover
0.60%	$10k	-	12 Month CD - Fulton
0.60%	$1k	-	18 Month CD - Princeton
0.50%	$1k	-	12 Month CD - Princeton
0.45%	$10k	-	182 Day CD - Fulton
0.35%	$10k	-	182 Day CD - Genese/Andover
0.35%	$1k	-	182 Day CD - Princeton
0.25%	$10k	-	91 Day CD - Genese/Andover
0.25%	$1k	-	91 Day CD - Princeton
0.20%	$1k	-	91 Day CD - Fulton

Rates updated: 5/24/2012

Data for Q4 2011

Institution Statistics

Central Bank Illinois
FDIC Certificate #	11670
BankRate Report	View
Year Established	1907
Employees	82
Primary Regulator	FDIC
Assets and Liabilities
Assets	$404.74 million
Loans	$215.24 million
Deposits	$287.61 million
Equity Capital	$44.43 million
Loan Loss Allowance	$4.65 million
Unbacked Noncurrent Loans	$4.12 million
Real Estate Owned	$1.68 million
Historic Data - December 2010
Assets	$385.23 million
Equity Capital	$37.54 million
Loan Loss Allowance	$3.56 million
Unbacked Noncurrent Loans	$5.44 million
Real Estate Owned	$3.37 million
Profit Margin - Quarterly
Net Interest Margin	4.22%
Return on Assets	1.15%
Return on Equity	11.01%
Interest Income	$18.69 million

Institution Health

Overall Score:

5 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 December 31, 2011 Central Bank Illinois had $5.79 million in non-current loans and owned real-estate with $49.07 million in equity and loan loss allowances on hand to cover it. This gives Central Bank Illinois a Texas Ratio of 11.80% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for Central Bank Illinois decreased significantly from 21.43% as of December 31, 2010 to 11.80% as of December 31, 2011, resulting in a positive change of 44.92%.This indicates that the balance sheet and financial strength for Central Bank Illinois has improved significantly in recent periods.
Deposit Growth
In the past year, Central Bank Illinois has increased its total deposits by $6.92 million, resulting in 2.47% 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 Central Bank Illinois has shown is above average.
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. Central Bank Illinois has $404.74 million in assets with $49.07 million in equity, resulting in a capitalization level of 12.12%, which is excellent.

No reviews have been left for this bank yet. Be the first to review.