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Health

Data for Q4 2013

Institution Health

B

Texas Ratio

GRADE:
B

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, 2013 Cole Taylor Bank had $89.1 million in non-current loans and owned real-estate with $591.71 million in equity and loan loss allowances on hand to cover it. This gives Cole Taylor Bank a Texas Ratio of 15.06% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
C+

The Texas Ratio for Cole Taylor Bank experienced no significant changes from 12.97% as of December 31, 2012 to 15.06% as of December 31, 2013, resulting in a negative change of 16.13%. This indicates that the balance sheet and financial strength for Cole Taylor Bank has had no significant changes in recent periods.

Deposit Growth

GRADE:
B

In the past year, Cole Taylor Bank has increased its total deposits by $22.23 million, resulting in 0.61% 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 $5.66 billion in assets with $591.71 million in equity, resulting in a capitalization level of 10.45%, which is above average.

Institution Statistics

Overall
FDIC Certificate #22599
Year Established1978
Employees1241
Primary RegulatorFED
Assets and Liabilities
Assets$5.66 billion
Loans$4.04 billion
Deposits$3.67 billion
Equity Capital$509.85 million
Loan Loss Allowance$81.86 million
Unbacked Noncurrent Loans$79.06 million
Real Estate Owned$10.05 million
Historic Data - December 2012
Assets$5.78 billion
Equity Capital$539.70 million
Loan Loss Allowance$82.19 million
Unbacked Noncurrent Loans$79.06 million
Real Estate Owned$23.88 million
Profit Margin - Quarterly
Net Interest Margin3.37%
Return on Assets1.26%
Return on Equity13.54%
Interest Income$197.69 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
0.30%-$500kWealth Builders

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.