Community Bank of Elmhurst

Community Bank of Elmhurst is headquartered in Elmhurst and is the 252^nd largest bank in the state of Illinois. It is also the 3,664^th largest bank in the nation. It was established in 1993 and as of March of 2012, it had grown to 30 employees at 3 locations. Community Bank of Elmhurst has a 3-star health rating.

Community Bank of Elmhurst Routing Number: 071925376

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Data for Q1 2012

Institution Statistics Community Bank of Elmhurst FDIC Certificate # 33805 BankRate Report View Year Established 1993 Employees 30 Primary Regulator FED Assets and Liabilities Assets $162.23 million Loans $79.97 million Deposits $148.64 million Equity Capital $13.27 million Loan Loss Allowance $1.53 million Unbacked Noncurrent Loans $3.25 million Real Estate Owned $1.18 million Historic Data - March 2011 Assets $162.04 million Equity Capital $12.79 million Loan Loss Allowance $2.29 million Unbacked Noncurrent Loans $4.53 million Real Estate Owned $488,000 Profit Margin - Quarterly Net Interest Margin 2.97% Return on Assets 0.25% Return on Equity 3.08% Interest Income $1.25 million

Institution Health Overall Score: 3 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 Community Bank of Elmhurst had $4.43 million in non-current loans and owned real-estate with $14.8 million in equity and loan loss allowances on hand to cover it. This gives Community Bank of Elmhurst a Texas Ratio of 29.92% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Community Bank of Elmhurst held steady from 33.29% as of March 31, 2011 to 29.92% as of March 31, 2012, resulting in a positive change of 10.13%.This indicates that the balance sheet and financial strength for Community Bank of Elmhurst has held steady in recent periods. Deposit Growth In the past year, Community Bank of Elmhurst has decreased its total deposits by $-393,000, resulting in -0.26% 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 Community Bank of Elmhurst has shown is 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. Community Bank of Elmhurst has $162.23 million in assets with $14.8 million in equity, resulting in a capitalization level of 9.13%, which is average.

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