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

Citizens Bank of Chatsworth - Overview

  • General
  • FDIC Certificate #: 10843
    Status: Active
    Federal Reserve ID: 441135
    Date Established: December 07, 1903
    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
  • NoIDNameAddressEstablishedService TypeMap
    06936Citizens Bank Of Chatsworth501 East Locust, Chatsworth, IL 60921December 07, 1903Full Service Brick and Mortar
    1223034Normal Branch1710 E. College Ave, Normal, IL 61761January 30, 1995Full Service Brick and Mortar

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