Andalusia Community Bank

601 8th Street East
Andalusia, IL 61232

Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 22959
Date Established 1979
Assets $0.04 billion
Loans $0.03 billion
Deposits $0.03 billion
Capital $0.01 billion

Andalusia Community Bank is an FDIC insured institution located in Andalusia, IL. It was founded in 1979 and has approximately $0.04 billion in assets. Customers can open an account at one of its 2 branches.

For a more detailed analysis of Andalusia Community Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Bank Loan Profile?

The top three loan types in Andalusia Community Bank’s loan portfolio are 1-4 Family Residential Loans, Commercial Real Estate, and Commercial and Industrial Loans.

Compared to other banks in Illinois, Andalusia Community Bank has a significantly higher percent of 1-4 Family Residential Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 71.68
Multifamily
Mortgages
3.98
Credit Card Loans 0.00
Consumer Auto Loans 0.00
Small Business Loans 4.84
Construction and Development Loans 1.74
Commercial Real Estate 7.98
Commercial and Industrial Loans 5.30
Farm Loans 0.14

Deposit Rates

Your Current Location: Virginia, VA 20146

CD Rates APY MIN MAX
3 Mo CD 10K
0.15% $500 - Learn MoreShow Less
Savings Rates APY MIN MAX
Fixed IRA Rates APY MIN MAX
Fixed IRA 0K
0.40% $250 - Learn MoreShow Less
MM Rates APY MIN MAX
MM 10K
0.10% $2,500 $20,000 Learn MoreShow Less
MM 25K
0.20% $20,001 $50,000 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg 0K
0.10% $1,000 - Learn MoreShow Less

Loan Rates

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Andalusia Community Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2018

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
AmeriSave Mortgage Corporation
NMLS ID: 1168
License#: MC-2462
4.556% 4.500% 0.13 $1,632 $1,267 Learn More
AmeriSave Mortgage Corporation
NMLS ID: 1168
4.564% 4.500% 0.25 $1,878 $1,267 Learn More
AimLoan.com NMLS#2890
NMLS ID: 2890
License#: MC-3098
4.320% 4.250% 0.38 $2,180 $1,230 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
5.125% 5.125% 0.00 $0 $1,362 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2018

Lender Rate (%) Monthly Payment Learn More
Third Federal Savings & Loan Assoc. of Cleveland 3.990% $238.42 Learn More
Flagstar Bank 5.490% $283.58 Learn More

Note to Andalusia Community Bank
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Branches

Andalusia Community Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Ashburn,Virginia


Andalusia Community Bank Locations

Financial Details

Andalusia Community Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Andalusia Community Bank. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Andalusia Community Bank U.S. Bank Average
17.13% 8.32%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of September 30, 2017, Andalusia Community Bank had $1,164,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $6,303,000 in equity and $492,000 in loans loss reserves. That gives it a Texas Ratio of 17.13%.

Return on Equity
Andalusia Community Bank U.S. Bank Average
9.02% 8.84%

Andalusia Community Bank has a Return on Equity of 9.02% versus the BestCashCow average of 8.84%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
Andalusia Community Bank U.S. Bank Average
16.04% 12.21%

Andalusia Community Bank has a Capitalization of 16.04% versus the BestCashCow average of 12.21. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Andalusia Community Bank Balance Sheet Analysis

As of December 31, 2017, Andalusia Community Bank had assets of $39,286,000, loans of $26,428,000, and deposits of $32,770,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

ASSETS
Cash & Balances due from depository institutions $0.01 billion
Interest-bearing balances $0.01 billion
Total securities $0.00 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.03 billion
Loan loss allowance $0.00 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.00 billion
All other assets $0.00 billion
     Total Assets $0.03 billion
LIABILITIES
Total deposits $0.03 billion
      Interest-bearing deposits $0.03 billion
      Deposits held in domestic offices $0.03 billion
      % insured (estimated) 95.63%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.00 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.03 billion
      Shareholders’ Equity $0.01 billion

Summary Income Statement

INCOME AND EXPENSES
Total Interest Income $0.00 billion
Total Interest Expense $0.00 billion
Net interest income $0.00 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.00 billion
Pre-tax Net Operating Income $0.00 billion

Frequently Asked Questions About Andalusia Community Bank

Branches and Savings

Is Andalusia Community Bank FDIC insured?

Yes. It is covered under FDIC Certificate #22959.

Why does Andalusia Community Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Andalusia Community Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Andalusia Community Bank a commercial bank?

Yes

Where are Andalusia Community Bank locations?

See branch locations nearby.

Is Andalusia Community Bank open on Saturdays?

Is Andalusia Community Bank open on Sundays?

What time does Andalusia Community Bank open?

What time does Andalusia Community Bank close?

Are Andalusia Community Bank ATMs Open 24/7?

Do Andalusia Community Bank ATMs accept cash deposits?

Can Andalusia Community Bank customers use other ATMs?

Do Andalusia Community Bank branches have notaries?

Will Andalusia Community Bank notarize my document?

What address for Andalusia Community Bank should I put for incoming ACH transfers?

Will the Andalusia Community Bank branch print checks?

Do Andalusia Community Bank checks expire?

Does Andalusia Community Bank require US citizenship to open account?

Can Andalusia Community Bank close my account?

Does Andalusia Community Bank Report to credit bureaus?

Does Andalusia Community Bank Use Equifax?

What is Andalusia Community Bank's ACH Routing Number?

What is Andalusia Community Bank's SWIFT code?

Products

Does Andalusia Community Bank offer mortgages?

Compare mortgage rates here.

Does Andalusia Community Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Andalusia Community Bank offer personal loans?

Compare personal loan rates here.

Does Andalusia Community Bank offer student loans?

Will Andalusia Community Bank cash a check?

Will Andalusia Community Bank redeem a savings bond?

Does Andalusia Community Bank cash savings bonds?

Will Andalusia Community Bank cash money orders?

Can Andalusia Community Bank issue a money order?

Does Andalusia Community Bank do currency exchange?

Background on The Bank

Who owns Andalusia Community Bank?

How long has Andalusia Community Bank been around?

Can Andalusia Community Bank transfer to other banks?

Does Andalusia Community Bank have quick pay?

Does Andalusia Community Bank accept rolled coins?

Will Andalusia Community Bank accept loose change?

Where is Andalusia Community Bank headquarters?

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