Citizens Bank of Chatsworth

Overview / Commentary

www.cbchatsworth.com

815-635-3134

502 East Locust Street
Chatsworth, IL 60921

Citizens Bank of Chatsworth is headquartered in Chatsworth and is the 403^rd largest bank in the state of Illinois. It is also the 5,177^th largest bank in the nation. It was established in 1903 and as of March of 2019, it had grown to 12 employees at 2 locations. Citizens Bank of Chatsworth's savings rates are 54% higher than the national average, and it has a C+ health rating.

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Health

C+

Data as of Q1 2019

Learn why bank health matters

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, and a negative return on equity.

Health Grade Components

Overall
FDIC Certificate #	10843
Year Established	1903
Employees	12
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	-1.43%
Return on Equity - YTD	-10.41%
Annual Interest Income	$335.00K

Assets and Liabilities
Assets	Q1 2019vs Q1 2018	$31.3MM$31.6MM
Loans	Q1 2019vs Q1 2018	$19.4MM$19.2MM
Deposits	Q1 2019vs Q1 2018	$26.8MM$30.1MM
Equity Capital	Q1 2019vs Q1 2018	$4.3MM$1.4MM
Loan Loss Allowance	Q1 2019vs Q1 2018	$151.00K$183.00K
Unbacked Noncurrent Loans	Q1 2019vs Q1 2018	$911.00K$639.00K
Real Estate Owned	Q1 2019vs Q1 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
0.80%^*	$10k^*	-	SMART Savings
OTHER TIERS: 0.10% → $1k - $5k \| 0.50% → $5k - $10k
0.05%	-	-	Health Savings
0.02%	$100	-	Statement Savings

Citizens Bank of Chatsworth Money Market Rates

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

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

Citizens Bank of Chatsworth CD Rates

APY	MIN	MAX	ACCOUNT NAME
1.35%	$1k	-	48 Month CD
1.35%	$500	-	48 Month Youth CD
1.05%	$1k	-	18 Month CD
1.05%	$500	-	18 Month Youth CD
0.35%	$1k	-	60 Month CD
0.35%	$500	-	60 Month Youth CD
0.30%	$1k	-	24 Month CD
0.30%	$500	-	24 Month Youth CD
0.25%	$1k	-	36 Month CD
0.25%	$500	-	36 Month Youth CD
0.15%	$1k	-	12 Month CD
0.15%	$500	-	12 Month Youth CD
0.10%	$1k	-	9 Month CD
0.10%	$500	-	9 Month Youth CD
0.05%	$1k	-	3 Month CD
0.05%	$1k	-	6 Month CD
0.05%	$500	-	3 Month Youth CD
0.05%	$500	-	6 Month Youth CD

Citizens Bank of Chatsworth IRA Rates

APY	MIN	MAX	ACCOUNT NAME
1.35%	$1k	-	48 Month IRA
1.05%	$1k	-	18 Month IRA
0.35%	$1k	-	60 Month IRA
0.30%	$1k	-	24 Month IRA
0.25%	$1k	-	36 Month IRA
0.15%	$1k	-	12 Month IRA
0.10%	$1k	-	9 Month IRA
0.05%	$1k	-	3 Month IRA
0.05%	$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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