Central State Bank (IL)

Overview / Commentary

www.csb123.com

217-894-6596

100 West Main Street
Clayton, IL 62324

Central State Bank (IL) is headquartered in Clayton and is the 255^th largest bank in the state of Illinois. It is also the 3,552^nd largest bank in the nation. It was established in 1928 and as of December of 2018, it had grown to 30 employees at 4 locations. Central State Bank (IL)'s money market rates are 2X the national average, and it has a B health rating.

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Health

Data as of Q4 2018

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Health Grade Components

Overall
FDIC Certificate #	8487
Year Established	1928
Employees	30
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	2.7%
Return on Equity - YTD	17.86%
Annual Interest Income	$7.4MM

Assets and Liabilities
Assets	Q4 2018vs Q4 2017	$139.7MM$134.9MM
Loans	Q4 2018vs Q4 2017	$121.2MM$118.7MM
Deposits	Q4 2018vs Q4 2017	$114.0MM$111.6MM
Equity Capital	Q4 2018vs Q4 2017	$21.1MM$19.2MM
Loan Loss Allowance	Q4 2018vs Q4 2017	$1.3MM$1.4MM
Unbacked Noncurrent Loans	Q4 2018vs Q4 2017	$3.7MM$2.4MM
Real Estate Owned	Q4 2018vs Q4 2017	$2.2MM$2.6MM

Rates

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Savings
Money Market
Checking
CD
IRA

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Central State Bank (IL) Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.20%	-	-	Passbook Savings

Central State Bank (IL) Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
1.00%^*	$50k^*	-	Money Market Deposit Account (MMDA)
OTHER TIERS: 0.15% → $2.5k - $10k \| 0.40% → $10k - $25k \| 0.65% → $25k - $50k

Central State Bank (IL) Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
3.04%^*	$1k^*	$50k	REWARDS Checking
OTHER TIERS: 1.00% → $50k+
0.15%	$1k	-	NOW Account

Central State Bank (IL) CD Rates

APY	MIN	MAX	ACCOUNT NAME
2.68%	$5k	-	11 Month CD Special w/ Rewards Checking
2.47%	$5k	-	11 Month CD Special
1.50%	$1k	-	60 Month CD
1.25%	$1k	-	48 Month CD
1.00%	$1k	-	36 Month CD
0.80%	$1k	-	30 Month CD
0.75%	$1k	-	24 Month CD
0.60%	$1k	-	18 Month CD
0.40%	$1k	-	12 Month CD
0.35%	$1k	-	182 Day CD
0.30%	$1k	-	91 Day CD

Central State Bank (IL) IRA Rates

APY	MIN	MAX	ACCOUNT NAME
1.50%	$1k	-	60 Month IRA
1.25%	$1k	-	48 Month IRA
1.00%	$1k	-	36 Month IRA
0.80%	$1k	-	30 Month IRA
0.75%	$1k	-	24 Month IRA
0.60%	$1k	-	18 Month IRA
0.40%	$1k	-	12 Month IRA

Locations

Central State Bank (IL) Locations
Central State Bank	100 West Main Street	Clayton, IL 62324
Kinderhook Branch	175 W Quincy St.	Kinderhook, IL 62345
Clayton Branch	701 Quincy Street	Pleasant Hill, IL 62366
12th Street Quincy Branch	900 South 12th Street	Quincy, IL 62301

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