Bank of Illinois

200 West College Avenue
Normal, IL 61761


General Bank Information

FDIC Insured Yes
FDIC Certificate # 9268
Date Established 1914
Assets $0.21 billion
Loans $0.15 billion
Deposits $0.20 billion
Capital $0.01 billion

Bank of Illinois is an FDIC insured institution located in Normal, IL. It was founded in 1914 and has approximately $0.21 billion in assets.

Bank of Illinois, Normal, Illinois, was closed March 5, 2010 by the Illinois Department of Financial Professional Regulation – Division of Banking, which appointed the Federal Deposit Insurance Corporation (FDIC) as receiver. To protect the depositors, the FDIC entered into a purchase and assumption agreement with Heartland Bank and Trust Company, Bloomington, Illinois, to assume all of the deposits of Bank of Illinois.

For a more detailed analysis of Bank of Illinois'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 Illinois’s loan portfolio are 1-4 Family Residential Loans, Multifamily Mortgages, and Credit Card Loans.

Compared to other banks, Bank of Illinois’s loan portfolio does not show any specific loan specialty.

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.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 0.00
Credit Card Loans 0.00
Consumer Auto Loans 0.00
Small Business Loans 0.00
Construction and Development Loans 0.00
Commercial Real Estate 0.00
Commercial and Industrial Loans 0.00
Farm Loans 0.00

Loan Rates

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Financial Details

Bank of Illinois Ratio Analysis

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

Texas Ratio
Bank of Illinois U.S. Bank Average
70.74% 8.87%

The Texas Ratio compares the amount of loans at risk and the amount of owned real estate with the amount a bank has on hand to cover any losses. As of March 31, 2017, Bank of Illinois had $13,263,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $8,115,000 in equity and $10,633,000 in loans loss reserves. That gives it a Texas Ratio of 70.74%. The closer the Texas Ratio is to 100% and over, the less capital and reserves a bank has to absorb its loan losses.

Return on Equity
Bank of Illinois U.S. Bank Average
-49.73% 8.39%

Bank of Illinois has a Return on Equity of -49.73% versus the BestCashCow average of 8.39%. 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.

Bank of Illinois U.S. Bank Average
3.83% 11.94%

Bank of Illinois has a Capitalization of 3.83% versus the BestCashCow average of 11.94%. 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 Illinois Balance Sheet Analysis

As of November 30, -0001, Bank of Illinois had assets of $211,711,000, loans of $153,775,000, and deposits of $198,487,000. 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.

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