Citizens Bank of Chatsworth

Citizens Bank of Chatsworth is headquartered in Chatsworth and is the 466^th largest bank in the state of Illinois. It is also the 6,286^th largest bank in the nation. It was established in 1903 and as of March of 2012, it had grown to 27 employees at 2 locations. Citizens Bank of Chatsworth has a 2-star health rating.

Citizens Bank of Chatsworth Routing Number: 071108313

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Data for Q1 2012

Institution Statistics Citizens Bank of Chatsworth FDIC Certificate # 10843 BankRate Report View Year Established 1903 Employees 27 Primary Regulator FDIC Assets and Liabilities Assets $52.70 million Loans $26.87 million Deposits $46.28 million Equity Capital $3.78 million Loan Loss Allowance $706,000 Unbacked Noncurrent Loans $535,000 Real Estate Owned $3.89 million Historic Data - March 2011 Assets $49.56 million Equity Capital $3.90 million Loan Loss Allowance $718,000 Unbacked Noncurrent Loans $1.50 million Profit Margin - Quarterly Net Interest Margin 3.38% Return on Assets -0.1% Return on Equity -1.37% Interest Income $438,000

Institution Health Overall Score: 2 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 March 31, 2012 Citizens Bank of Chatsworth had $4.42 million in non-current loans and owned real-estate with $4.49 million in equity and loan loss allowances on hand to cover it. This gives Citizens Bank of Chatsworth a Texas Ratio of 98.62% which is poor. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Citizens Bank of Chatsworth increased slightly from 32.40% as of March 31, 2011 to 98.62% as of March 31, 2012, resulting in a negative change of 204.36%. This indicates that the balance sheet and financial strength for Citizens Bank of Chatsworth has declined slightly in recent periods. Deposit Growth In the past year, Citizens Bank of Chatsworth has increased its total deposits by $759,000, resulting in 1.67% 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 Citizens Bank of Chatsworth 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. Citizens Bank of Chatsworth has $52.7 million in assets with $4.49 million in equity, resulting in a capitalization level of 8.51%, which is average.

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