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Health

Data for Q1 2014

Institution Health

B+

Texas Ratio

GRADE:
B+

The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Cole Taylor Bank had $80.47 million in non-current loans and owned real-estate with $606.5 million in equity and loan loss allowances on hand to cover it. This gives Cole Taylor Bank a Texas Ratio of 13.27% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
B

The Texas Ratio for Cole Taylor Bank decreased slightly from 15.07% as of March 31, 2013 to 13.27% as of March 31, 2014, resulting in a positive change of 11.93%.This indicates that the balance sheet and financial strength for Cole Taylor Bank has improved slightly in recent periods.

Deposit Growth

GRADE:
B+

In the past year, Cole Taylor Bank has increased its total deposits by $61.77 million, resulting in 1.58% 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 Cole Taylor Bank has shown is above average.

Capitalization

GRADE:
B+

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. Cole Taylor Bank has $5.63 billion in assets with $606.5 million in equity, resulting in a capitalization level of 10.77%, which is above average.

Institution Statistics

Overall
FDIC Certificate #22599
Year Established1978
Employees1270
Primary RegulatorFED
Assets and Liabilities
Assets$5.63 billion
Loans$4.00 billion
Deposits$3.98 billion
Equity Capital$523.61 million
Loan Loss Allowance$82.89 million
Unbacked Noncurrent Loans$70.52 million
Real Estate Owned$9.95 million
Historic Data - March 2013
Assets$5.75 billion
Equity Capital$553.89 million
Loan Loss Allowance$82.15 million
Unbacked Noncurrent Loans$70.52 million
Real Estate Owned$26.83 million
Profit Margin - Quarterly
Net Interest Margin3.5%
Return on Assets0.82%
Return on Equity8.94%
Interest Income$48.84 million
Rates
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Cole Taylor Bank Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.25%--Online Savings Account

Cole Taylor Bank Checking Account Rates

DetailsAPYMINMAXPRODUCT
0.55%-$500kWealth Builders Interest Checking - Qualifying
0.30%-$500kWealth Builders Interest Checking - Non Qualifying

Cole Taylor Bank CD Rates

DetailsAPYMINMAXPRODUCT
0.90%$10k-60 Month Promotional CD
0.90%$1k-60+ Month CD
0.80%$1k-48-59 Month CD
0.80%$1k-48 Month Online CD
0.70%$1k-36-47 Month CD
0.60%$1k-24-35 Month CD
0.60%$1k-24 Month Online CD
0.55%$1k-6 Month CD Online Special
0.55%$1k-6 Month Online CD
0.50%$1k-18-23 Month CD
0.50%$10k-7 Month Promotional CD
0.50%$1k-18 Month Online CD
0.45%$10k-15 Month Promotional CD
0.40%$1k-12-17 Month CD
0.40%$1k-12 Month Online CD
0.30%$10k-11 Month Promotional CD
0.20%$1k-182 Day CD
0.10%$1k-91 Day CD

Cole Taylor Bank IRA Rates

DetailsAPYMINMAXPRODUCT
0.90%$1k-60+ Month IRA
0.80%$1k-48-59 Month IRA
0.70%$1k-36-47 Month IRA
0.60%$1k-24-35 Month IRA
0.50%$1k-18-23 Month IRA
0.40%$1k-12-17 Month IRA
Locations

Cole Taylor Bank has 11 locations. Click to view all Cole Taylor Bank locations.