The Bank of Carbondale

The Bank of Carbondale is headquartered in Carbondale and is the 207^th largest bank in the state of Illinois. It is also the 3,047^th largest bank in the nation. It was established in 1919 and as of March of 2012, it had grown to 51 employees at 5 locations. The Bank of Carbondale has a 4-star health rating.

The Bank of Carbondale Routing Number: 081216389

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The Bank of Carbondale CD Rates

Data for Q1 2012

Institution Statistics The Bank of Carbondale FDIC Certificate # 10828 BankRate Report View Year Established 1919 Employees 51 Primary Regulator FDIC Assets and Liabilities Assets $205.77 million Loans $123.66 million Deposits $177.85 million Equity Capital $21.99 million Loan Loss Allowance $3.30 million Unbacked Noncurrent Loans $4.76 million Real Estate Owned $77,000 Historic Data - March 2011 Assets $196.42 million Equity Capital $19.46 million Loan Loss Allowance $2.83 million Unbacked Noncurrent Loans $2.73 million Real Estate Owned $697,000 Profit Margin - Quarterly Net Interest Margin 3.5% Return on Assets 0.98% Return on Equity 9.12% Interest Income $2.03 million

Institution Health Overall Score: 4 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 The Bank of Carbondale had $4.84 million in non-current loans and owned real-estate with $25.28 million in equity and loan loss allowances on hand to cover it. This gives The Bank of Carbondale a Texas Ratio of 19.12% 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 The Bank of Carbondale held steady from 15.37% as of March 31, 2011 to 19.12% as of March 31, 2012, resulting in a negative change of 24.42%. This indicates that the balance sheet and financial strength for The Bank of Carbondale has held steady in recent periods. Deposit Growth In the past year, The Bank of Carbondale has increased its total deposits by $9.91 million, resulting in 5.9% 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 The Bank of Carbondale has shown is excellent. 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. The Bank of Carbondale has $205.77 million in assets with $25.28 million in equity, resulting in a capitalization level of 12.29%, which is excellent.