Citizens Bank of Chatsworth

Overview / Commentary

www.bankatcbc.com

815-635-3134

502 East Locust Street
Chatsworth, IL 60921

Citizens Bank of Chatsworth is headquartered in Chatsworth and is the 395^th largest bank in the state of Illinois. It is also the 5,080^th largest bank in the nation. It was established in 1903 and as of September of 2019, it had grown to 11 employees at 2 locations. Citizens Bank of Chatsworth's savings rates are 92% higher than the national average, and it has a C+ health rating.

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Health

C+

Data as of Q3 2019

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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on equity can represent an instability risk beyond what their financial ratios indicate. Citizens Bank of Chatsworth has a low asset base.

Health Grade Components

Overall
FDIC Certificate #	10843
Year Established	1903
Employees	11
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	-1.02%
Return on Equity - YTD	-7.34%
Annual Interest Income	$1.0MM

Assets and Liabilities
Assets	Q3 2019vs Q3 2018	$31.2MM$31.6MM
Loans	Q3 2019vs Q3 2018	$19.3MM$18.2MM
Deposits	Q3 2019vs Q3 2018	$26.7MM$27.0MM
Equity Capital	Q3 2019vs Q3 2018	$4.3MM$4.4MM
Loan Loss Allowance	Q3 2019vs Q3 2018	$165.00K$0
Unbacked Noncurrent Loans	Q3 2019vs Q3 2018	$558.00K$389.00K
Real Estate Owned	Q3 2019vs Q3 2018	$0$0

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.

Citizens Bank of Chatsworth Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
1.00%^*	$10k^*	-	SMART Savings
OTHER TIERS: 0.10% → $1k - $5k \| 0.50% → $5k - $10k
0.25%	-	-	Christmas Club
0.05%	-	-	Health Savings
0.02%	$100	-	Statement Savings
0.02%	$100	-	Business Savings

Citizens Bank of Chatsworth Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
0.25%^*	$200k^*	-	Money Market Account
OTHER TIERS: 0.02% → $1k - $50k \| 0.05% → $50k - $200k
0.25%^*	$200k^*	-	Business Money Market Checking
OTHER TIERS: 0.02% → $1k - $50k \| 0.05% → $50k - $200k

Citizens Bank of Chatsworth Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.05%^*	$10k^*	-	Agri-Checking
OTHER TIERS: 0.03% → $1k - $10k
0.03%	$1k	-	NOW Checking Account
0.03%	$100	-	Student Checking
0.03%	$1k	-	Preferred Business Checking

Citizens Bank of Chatsworth CD Rates

APY	MIN	MAX	ACCOUNT NAME
2.22%	$1k	-	36 Month CD
2.07%	$1k	-	18 Month CD
1.00%	$1k	-	9 Month CD
0.75%	$1k	-	60 Month CD
0.70%	$1k	-	48 Month CD
0.50%	$1k	-	12 Month CD
0.40%	$1k	-	24 Month CD
0.25%	$1k	-	3 Month CD
0.25%	$1k	-	6 Month CD

Citizens Bank of Chatsworth IRA Rates

APY	MIN	MAX	ACCOUNT NAME
2.22%	$1k	-	36 Month IRA
2.07%	$1k	-	18 Month IRA
1.00%	$1k	-	9 Month IRA
0.75%	$1k	-	60 Month IRA
0.70%	$1k	-	48 Month IRA
0.50%	$1k	-	12 Month IRA
0.40%	$1k	-	24 Month IRA
0.25%	$1k	-	3 Month IRA
0.25%	$1k	-	6 Month IRA

Locations

Citizens Bank of Chatsworth Locations
Normal Branch	1710 E. College Ave	Normal, IL 61761
Citizens Bank Of Chatsworth	502 East Locust Street	Chatsworth, IL 60921

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