Community Savings Bank (IL)

Community Savings Bank (IL) is headquartered in Chicago and is the 96^th largest bank in the state of Illinois. It is also the 1,568^th largest bank in the nation. It was established in 1925 and as of March of 2012, it had grown to 75 employees at 2 locations. Community Savings Bank (IL) has a 5-star health rating.

Data for Q1 2012

Institution Statistics Community Savings Bank FDIC Certificate # 28841 BankRate Report View Year Established 1925 Employees 75 Primary Regulator FDIC Assets and Liabilities Assets $424.46 million Loans $242.83 million Deposits $359.13 million Equity Capital $63.66 million Loan Loss Allowance $1.35 million Unbacked Noncurrent Loans $4.10 million Real Estate Owned $936,000 Historic Data - March 2011 Assets $425.00 million Equity Capital $63.14 million Loan Loss Allowance $2.30 million Unbacked Noncurrent Loans $7.23 million Real Estate Owned $706,000 Profit Margin - Quarterly Net Interest Margin 2.73% Return on Assets 0.06% Return on Equity 0.39% Interest Income $3.82 million

Institution Health Overall Score: 5 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 Savings Bank (IL) had $5.03 million in non-current loans and owned real-estate with $65.01 million in equity and loan loss allowances on hand to cover it. This gives Community Savings Bank (IL) a Texas Ratio of 7.74% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Community Savings Bank (IL) decreased slightly from 12.13% as of March 31, 2011 to 7.74% as of March 31, 2012, resulting in a positive change of 36.17%.This indicates that the balance sheet and financial strength for Community Savings Bank (IL) has improved slightly in recent periods. Deposit Growth In the past year, Community Savings Bank (IL) has decreased its total deposits by -$1.56 million, resulting in -0.43% 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 Savings Bank (IL) 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 Savings Bank (IL) has $424.46 million in assets with $65.01 million in equity, resulting in a capitalization level of 15.32%, which is excellent.

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