Citizens Bank of Chatsworth in city_name, state_name - Detailed Financial Reports, Location

Citizens Bank of Chatsworth in Chatsworth, Illinois (IL)
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Citizens Bank of Chatsworth routing number info

Citizens Bank of Chatsworth - Overview

General
FDIC Certificate #: 10843
Status: Active
Federal Reserve ID: 441135
Date Established: December 07, 1903
WWW: http://www.cbchatsworth.com
Trust Powers Granted: Yes
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 2 (Domestic: 2, Interstate: No)
FDIC's unique #: 6936
Numeric code: 21
Regulator: FDIC
Insurance Fund Membership: Deposit Insurance Fund (DIF)
Insured commercial Banks: Yes
FDIC Insured: Yes
Deposit Insurance Fund member: Yes
Agricultural lending institution: Yes
Ownership Type: Non-Stock
FFIEC Call Report 31 Filer: No
State Chartered: Yes
Subchapter S Corporations: No
Asset Concentration Hierarchy: Agricultural Specialization
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: August 15, 2011
Last Structure Change Process Date: August 23, 2011
Last Data Update: August 23, 2011
Data Source Date: April 05, 2012
Location
Address: 501 East Locust, Chatsworth, IL 60921
County: Livingston
Quarterly Banking Profile Region: Chicago
FDIC Geographic Region: Chicago
FDIC Supervisory Region: Chicago
FDIC Field Office: Champaign
Office of the Comptroller the Currency (OCC) District: Central
Office of Thrift Supervision Region: Central
Core Based Statistical Area (CBSA): Pontiac, IL (#38700)
CBSA Micro Statistical Area: Yes
Financial Summary
Total assets: $49.0 mil
Equity capital: $4.1 mil
Deposits held in domestic offices: $42.5 mil
Return on assets (ROA): 0.38% ($0.2 mil)
Quarterly return on assets: 2.38% ($1.2 mil)
Return on Equity (ROE): 4.69% ($0.2 mil)
Quarterly return on equity: 28.68% ($1.1 mil)
Net income: $0.2 mil
Quarterly Net income: $0.3 mil
Pretax return on assets: 0.55% ($269.4 mil)
Quarterly Pretax return on assets: 2.90% ($1,420.6 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

Dollar figures in thousands
21Total employees (full-time equivalent)
$48,987Total assets
$6,431Cash and due from depository institutions
$5,524Interest-bearing balances
$6,537Securities
$0Federal funds sold & reverse repurchase agreements
$30,526Net loans & leases
$671Loan loss allowance
$0Trading account assets
$811Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$48,987Life insurance assets
$4,682All other assets
$44,898Total liabilities and capital
$42,508Total liabilities
$36,782Total deposits
$42,508Interest-bearing deposits
$99Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$2,274Trading liabilities
$0Other borrowed funds
$116Subordinated debt
$4,089All other liabilities
$4,089Total equity capital
$4,089Total bank equity capital
$0Perpetual preferred stock
$675Common stock
$825Surplus
$2,589Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$521Income earned, not collected on loans
$0Earning assets
$386Long-term assets (5+ years)
$42,587Average Assets, year-to-date
$2,807Average Assets, quarterly
$48,357Volatile liabilities
$47,521Insider loans
$38,048FHLB advances
$46,358Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$4,089Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$7,516Restructured Loans and leases
$55Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$1,839Total interest income
$295Total interest expense
$1,544Net interest income
-$250Provision for loan and lease losses
$128Total noninterest income
$25Fiduciary activities
$63Service charges on deposit accounts
$0Trading account gains & fees
$40Additional noninterest income
$1,658Total noninterest expense
$958Salaries and employee benefits
$187Premises and equipment expense
$513Additional noninterest expense
$264Pre-tax net operating income
$0Securities gains (losses)
$80Applicable income taxes
$184Income before extraordinary items
$0Extraordinary gains - net
$184Net income attributable to bank
$0Net charge-offs
$184Cash dividends
-$249Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
4.05%Yield on earning assets
0.65%Cost of funding earning assets
3.40%Net interest margin
0.28%Noninterest income to earning assets
3.65%Noninterest expense to earning assets
0.38%Net operating income to assets
0.38%Return on assets (ROA)
0.55%Pretax return on assets
4.69%Return on equity (ROE)
4.69%Retained earnings to average equity (YTD only)
-0.76%Net charge-offs to loans
100.40%Credit loss provision to net charge-offs
0.00%Efficiency ratio
99,163Assets per employee
2.33%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
2.15%Loss allowance to noncurrent loans
128.79%Noncurrent assets plus other real estate owned to assets
1.06%Noncurrent loans to loans
1.67%Net loans and leases to deposits
71.81%Net loans and leases to core deposits
76.31%Equity capital to assets
8.35%Core capital (leverage) ratio
8.82%Tier 1 risk-based capital ratio
10.75%Total risk-based capital ratio
Memoranda
$12Average assets
$48,357Average earning assets
$3,921Average equity
$45,408Average loans

Total Fiduciary and Related Assets (December 31, 2011)

Dollar figures in thousands
$1Total fiduciary and related assets
1Number of Fiduciary Accounts and Related Asset Accounts
YesFiduciary powers granted
YesFiduciary or related activity
$2,207Managed Assets
1Number of Accounts
$2,207Personal trust and agency accounts
$2,207Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$0Other retirement accounts
$0Corporate trust and agency accounts
$0Investment management agency accounts
$0Other fiduciary accounts
$0Fiduciary accounts held in foreign offices
$0Non-managed Assets
11Number of Accounts
$0Personal trust and agency accounts
$0Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$0Other retirement accounts
$0Corporate trust and agency accounts
$0Other fiduciary accounts
$0Fiduciary accounts held in foreign offices

List of branches

2 Illinois Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type	Map
0	6936	Citizens Bank Of Chatsworth	501 East Locust, Chatsworth, IL 60921	December 07, 1903	Full Service Brick and Mortar
1	223034	Normal Branch	1710 E. College Ave, Normal, IL 61761	January 30, 1995	Full Service Brick and Mortar

Citizens Bank of Chatsworth in Chatsworth, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

Citizens Bank of Chatsworth - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

Citizens Bank of Chatsworth in Chatsworth, Illinois (IL)Overview, Financial Summary, Detailed Financial Reports, Branches

Citizens Bank of Chatsworth - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

Citizens Bank of Chatsworth in Chatsworth, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches