Community Bank-Wheaton/Glen Ellyn

Community Bank-Wheaton/Glen Ellyn is headquartered in Glen Ellyn and is the 124^th largest bank in the state of Illinois. It is also the 1,919^st largest bank in the nation. It was established in 1994 and as of March of 2012, it had grown to 84 employees at 4 locations. Community Bank-Wheaton/Glen Ellyn has a 2-star health rating.

Community Bank-Wheaton/Glen Ellyn CD Rates

Data for Q1 2012

Institution Statistics Community Bank-Wheaton/Glen Ellyn FDIC Certificate # 33953 BankRate Report View Year Established 1994 Employees 84 Primary Regulator FDIC Assets and Liabilities Assets $342.54 million Loans $196.20 million Deposits $309.81 million Equity Capital $16.73 million Loan Loss Allowance $5.54 million Unbacked Noncurrent Loans $7.74 million Real Estate Owned $10.33 million Historic Data - March 2011 Assets $334.43 million Equity Capital $21.07 million Loan Loss Allowance $5.19 million Unbacked Noncurrent Loans $14.03 million Real Estate Owned $9.84 million Profit Margin - Quarterly Net Interest Margin 3.64% Return on Assets -0.11% Return on Equity -2.31% Interest Income $3.18 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-Wheaton/Glen Ellyn had $18.07 million in non-current loans and owned real-estate with $22.27 million in equity and loan loss allowances on hand to cover it. This gives Community Bank-Wheaton/Glen Ellyn a Texas Ratio of 81.13% 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 Community Bank-Wheaton/Glen Ellyn held steady from 90.89% as of March 31, 2011 to 81.13% as of March 31, 2012, resulting in a positive change of 10.74%.This indicates that the balance sheet and financial strength for Community Bank-Wheaton/Glen Ellyn has held steady in recent periods. Deposit Growth In the past year, Community Bank-Wheaton/Glen Ellyn has increased its total deposits by $11.75 million, resulting in 3.94% 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-Wheaton/Glen Ellyn 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. Community Bank-Wheaton/Glen Ellyn has $342.54 million in assets with $22.27 million in equity, resulting in a capitalization level of 6.50%, which is below average.

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