Bank of Yates City

107 E Main Street
Yates City, IL 61572

Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 11715
Date Established 1871
Assets $0.07 billion
Loans $0.04 billion
Deposits $0.06 billion
Capital $0.01 billion

Bank of Yates City is an FDIC insured institution located in Yates City, IL. It was founded in 1871 and has approximately $0.07 billion in assets. Customers can open an account at one of its 2 branches.

For a more detailed analysis of Bank of Yates City'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 Yates City’s loan portfolio are 1-4 Family Residential Loans, Farm Loans, and Consumer Auto Loans.

Compared to other banks in Illinois, Bank of Yates City has a significantly higher percent of Consumer Auto 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 36.04
Multifamily
Mortgages
0.48
Credit Card Loans 0.00
Consumer Auto Loans 11.96
Small Business Loans 11.68
Construction and Development Loans 0.34
Commercial Real Estate 11.68
Commercial and Industrial Loans 11.77
Farm Loans 12.72

Savings Rates

Your Current Location: Virginia, VA 20146

CD Rates APY MIN MAX
3 Mo CD 10K
0.15% $1,000 - Learn MoreShow Less
6 Mo CD 10K
0.55% $1,000 - Learn MoreShow Less
Savings Rates APY MIN MAX
Fixed IRA Rates APY MIN MAX
Fixed IRA 0K
0.90% $500 - Learn MoreShow Less
MM Rates APY MIN MAX
MM 10K
0.25% $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 Yates City

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 2017

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Poli Mortgage Group Inc
NMLS ID: 1979
License#: MC-5501
3.875% 3.875% 0.00 $0 $1,176 Learn More
Cornerstone Home Lending
NMLS ID: 119622
License#: MC-4673
3.950% 3.950% 0.00 $0 $1,187 Learn More

Note to Bank of Yates City
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Branches

Bank of Yates City 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 Yates City Locations

Financial Details

Bank of Yates City Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Bank of Yates City. 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 Yates City U.S. Bank Average
13.15% 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 Yates City had $872,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $6,167,000 in equity and $462,000 in loans loss reserves. That gives it a Texas Ratio of 13.15%. 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 Yates City U.S. Bank Average
3.36% 8.39%

Bank of Yates City has a Return on Equity of 3.36% 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.

Capitalization
Bank of Yates City U.S. Bank Average
8.97% 11.94%

Bank of Yates City has a Capitalization of 8.97% 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 Yates City Balance Sheet Analysis

As of June 30, 2017, Bank of Yates City had assets of $68,758,000, loans of $44,162,000, and deposits of $60,473,000. 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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