Bank of Calhoun County

Park And Main Streets
Hardin, IL 62047

Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 12549
Date Established 1898
Assets $0.07 billion
Loans $0.04 billion
Deposits $0.06 billion
Capital $0.01 billion

Bank of Calhoun County is an FDIC insured institution located in Hardin, IL. It was founded in 1898 and has approximately $0.07 billion in assets. Customers can open an account at one of its 3 branches.

For a more detailed analysis of Bank of Calhoun County'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 Bank of Calhoun County’s loan portfolio are 1-4 Family Residential Loans, Small Business Loans, and Commercial Real Estate.

Compared to other banks in Illinois, Bank of Calhoun County 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 57.47
Multifamily
Mortgages
1.18
Credit Card Loans 0.00
Consumer Auto Loans 2.03
Small Business Loans 13.33
Construction and Development Loans 0.62
Commercial Real Estate 13.33
Commercial and Industrial Loans 2.20
Farm Loans 3.83

Deposit Rates

Your Current Location: Virginia, VA 20146

CD Rates APY MIN MAX
3 Mo CD 10K
0.25% $1,000 - Learn MoreShow Less
Savings Rates APY MIN MAX
Fixed IRA Rates APY MIN MAX
Fixed IRA 0K
0.35% $1,000 - Learn MoreShow Less
MM Rates APY MIN MAX
MM 10K
0.15% $2,500 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg 0K
0.15% $750 - Learn MoreShow Less

Loan Rates

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Bank of Calhoun County

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
4.544% 4.500% 0.00 $1,305 $1,267 Learn More
AmeriSave Mortgage Corporation
NMLS ID: 1168
4.553% 4.500% 0.13 $1,550 $1,267 Learn More
AimLoan.com NMLS#2890
NMLS ID: 2890
License#: MC-3098
4.320% 4.250% 0.38 $2,190 $1,230 Learn More
PenFed Credit Union
NMLS ID: 401822
4.459% 4.375% 0.00 $2,500 $1,249 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 Bank of Calhoun County
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Branches

Bank of Calhoun County 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


Bank of Calhoun County Locations

Financial Details

Bank of Calhoun County Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Bank of Calhoun County. 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
Bank of Calhoun County U.S. Bank Average
8.82% 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, Bank of Calhoun County had $263,000 in non-current loans and $332,000 in owned real estate. To cover these potential losses it had $6,490,000 in equity and $256,000 in loans loss reserves. That gives it a Texas Ratio of 8.82%.

Return on Equity
Bank of Calhoun County U.S. Bank Average
1.22% 8.84%

Bank of Calhoun County has a Return on Equity of 1.22% 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
Bank of Calhoun County U.S. Bank Average
9.86% 12.21%

Bank of Calhoun County has a Capitalization of 9.86% 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.

Bank of Calhoun County Balance Sheet Analysis

As of December 31, 2017, Bank of Calhoun County had assets of $65,813,000, loans of $35,201,000, and deposits of $58,631,000. 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 $0.00 billion
Total securities $0.01 billion
Federal funds sold and reverse repurchase $0.01 billion
Net loans and leases $0.04 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 $0.06 billion
LIABILITIES
Total deposits $0.06 billion
      Interest-bearing deposits $0.05 billion
      Deposits held in domestic offices $0.06 billion
      % insured (estimated) 88.76%
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 $0.06 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 Bank Of Calhoun County

Branches and Savings

Is Bank Of Calhoun County FDIC insured?

Yes. It is covered under FDIC Certificate #12549.

Why does Bank Of Calhoun County pay such low interest on savings accounts?

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

Why are Bank Of Calhoun County CD rates not competitive?

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

Is Bank Of Calhoun County a commercial bank?

Yes

Where are Bank Of Calhoun County locations?

See branch locations nearby.

Is Bank Of Calhoun County open on Saturdays?

Is Bank Of Calhoun County open on Sundays?

What time does Bank Of Calhoun County open?

What time does Bank Of Calhoun County close?

Are Bank Of Calhoun County ATMs Open 24/7?

Do Bank Of Calhoun County ATMs accept cash deposits?

Can Bank Of Calhoun County customers use other ATMs?

Do Bank Of Calhoun County branches have notaries?

Will Bank Of Calhoun County notarize my document?

What address for Bank Of Calhoun County should I put for incoming ACH transfers?

Will the Bank Of Calhoun County branch print checks?

Do Bank Of Calhoun County checks expire?

Does Bank Of Calhoun County require US citizenship to open account?

Can Bank Of Calhoun County close my account?

Does Bank Of Calhoun County Report to credit bureaus?

Does Bank Of Calhoun County Use Equifax?

What is Bank Of Calhoun County's ACH Routing Number?

What is Bank Of Calhoun County's SWIFT code?

Products

Does Bank Of Calhoun County offer mortgages?

Compare mortgage rates here.

Does Bank Of Calhoun County offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Bank Of Calhoun County offer personal loans?

Compare personal loan rates here.

Does Bank Of Calhoun County offer student loans?

Will Bank Of Calhoun County cash a check?

Will Bank Of Calhoun County redeem a savings bond?

Does Bank Of Calhoun County cash savings bonds?

Will Bank Of Calhoun County cash money orders?

Can Bank Of Calhoun County issue a money order?

Does Bank Of Calhoun County do currency exchange?

Background on The Bank

Who owns Bank Of Calhoun County?

How long has Bank Of Calhoun County been around?

Can Bank Of Calhoun County transfer to other banks?

Does Bank Of Calhoun County have quick pay?

Does Bank Of Calhoun County accept rolled coins?

Will Bank Of Calhoun County accept loose change?

Where is Bank Of Calhoun County headquarters?

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