Community Bank of Oak Park River Forest

Community Bank of Oak Park River Forest is headquartered in Oak Park and is the 133^rd largest bank in the state of Illinois. It is also the 2,025^th largest bank in the nation. It was established in 1996 and as of March of 2012, it had grown to 46 employees at 2 locations. Community Bank of Oak Park River Forest has a 2-star health rating.

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Data for Q1 2012

Institution Statistics Community Bank of Oak Park River Forest FDIC Certificate # 34325 BankRate Report View Year Established 1996 Employees 46 Primary Regulator FDIC Assets and Liabilities Assets $322.50 million Loans $243.11 million Deposits $293.21 million Equity Capital $28.36 million Loan Loss Allowance $7.43 million Unbacked Noncurrent Loans $20.96 million Real Estate Owned $360,000 Historic Data - March 2011 Assets $346.34 million Equity Capital $26.51 million Loan Loss Allowance $7.52 million Unbacked Noncurrent Loans $19.45 million Real Estate Owned $390,000 Profit Margin - Quarterly Net Interest Margin 3.71% Return on Assets 0.71% Return on Equity 8.36% Interest Income $3.37 million

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 Community Bank of Oak Park River Forest had $21.32 million in non-current loans and owned real-estate with $35.78 million in equity and loan loss allowances on hand to cover it. This gives Community Bank of Oak Park River Forest a Texas Ratio of 59.59% which is below 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 Oak Park River Forest held steady from 58.30% as of March 31, 2011 to 59.59% as of March 31, 2012, resulting in a negative change of 2.21%. This indicates that the balance sheet and financial strength for Community Bank of Oak Park River Forest has held steady in recent periods. Deposit Growth In the past year, Community Bank of Oak Park River Forest has decreased its total deposits by -$25.43 million, resulting in -7.98% 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 Oak Park River Forest has shown is poor. 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 Oak Park River Forest has $322.5 million in assets with $35.78 million in equity, resulting in a capitalization level of 11.10%, which is above average.

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