First National Bank of Chillicothe

Headquarters

900 North Fourth Street
Chillicothe, IL 61523
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 1.05% →
1-Year CD N.A. 0.95% →
2-Year CD N.A. 1.05% →
5-Year CD N.A. 1.30% →
30-Year Mortgage N.A. 2.80% →
15-Year Mortgage N.A. 2.37% →
HELOC N.A. 2.79% →

2020 Overview

General Bank Information

First National Bank of Chillicothe is an FDIC insured institution located in Chillicothe, IL. It was founded in 1934 and has approximately $0.07 billion in assets.

FDIC Insured Yes
FDIC Certificate # 3635
Date Established 1934
Assets $ 65.85 million
Loans $ 45.85 million
Deposits $ 59.13 million
Capital $ 6.61 million
 

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

Deposit Rates - September 18, 2020

Your Current Location: Washington, WA 98109


Loan Rates - September 18, 2020

Your Current Location: Washington, WA 98109

There are currently no loan rates available for First National Bank of Chillicothe

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




Featured - Washington 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
4.114% 3.990% 1.00 $3,750 $1,193 Learn More
Rocket Mortgage
NMLS ID: 3030
3.746% 3.625% 1.00 $3,750 $1,141 Learn More
AimLoan.com
NMLS ID: 2890
License#: 520-CL-25944
2.815% 2.750% 0.88 $2,120 $1,021 Learn More

Featured - Washington Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
3.500 %
$25,000 Learn More
More Info

Note to First National Bank of Chillicothe
To upload and update your bank's rates please register. It is free to register and add rates.

Branches

First National Bank of Chillicothe 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:
Seattle,Washington


First National Bank of Chillicothe Locations


Financial Details

First National Bank of Chillicothe Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of First National Bank of Chillicothe. 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
First National Bank of Chillicothe U.S. Bank Average
7.18% 6.94%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its 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 March 31, 2020, First National Bank of Chillicothe had $118,000 in non-current loans and $369,000 in owned real estate. To cover these potential losses it had $6,608,000 in equity and $172,000 in loans loss reserves. That gives it a Texas Ratio of 7.18%.

Return on Equity
First National Bank of Chillicothe U.S. Bank Average
13.38% 7.80%

First National Bank of Chillicothe has a Return on Equity of 13.38% versus the BestCashCow average of 7.80%. 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
First National Bank of Chillicothe U.S. Bank Average
10.04% 12.68%

First National Bank of Chillicothe has a Capitalization of 10.04% versus the BestCashCow average of 12.68. 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.

First National Bank of Chillicothe Balance Sheet Analysis

As of June 30, 2014, First National Bank of Chillicothe had assets of $65,846,000, loans of $45,853,000, and deposits of $59,128,000. 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

March 31, 2020
ASSETS
Cash & Balances due from depository institutions N.A.
Interest-bearing balances N.A.
Total securities N.A.
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 45.85 million
Loan loss allowance $ 0.17 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.37 million
Goodwill and other intangibles N.A.
All other assets N.A.
     Total Assets N.A.
LIABILITIES
Total deposits $ 59.13 million
      Interest-bearing deposits N.A.
      Deposits held in domestic offices N.A.
      % insured (estimated) 0.00%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities N.A.
      Total Liabilities N.A.
      Shareholders’ Equity $ 65.85 million

Summary Income Statement

March 31, 2020
INCOME AND EXPENSES
Total Interest Income N.A.
Total Interest Expense N.A.
Net interest income N.A.
Provision for loan and lease losses N.A.
Total non interest income N.A.
Total non interest expense N.A.
Pre-tax Net Operating Income N.A.

Bank Loan Profile?

The top three loan types in First National Bank of Chillicothe’s loan portfolio are 1-4 Family Residential Loans, Consumer Auto Loans, and Commercial Real Estate.

Compared to other banks in Illinois, First National Bank of Chillicothe has a significantly higher percent of 1-4 Family Residential Loans, Consumer Auto Loans, Small Business 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 51.16
Multifamily
Mortgages
0.00
Credit Card Loans 0.00
Consumer Auto Loans 22.26
Small Business Loans 9.63
Construction and Development Loans 0.62
Commercial Real Estate 14.51
Commercial and Industrial Loans 5.29
Farm Loans 2.96

Frequently Asked Questions About First National Bank Of Chillicothe

Branches and Savings

Is First National Bank Of Chillicothe FDIC insured?

Yes. It is covered under FDIC Certificate #3635.

Why does First National Bank Of Chillicothe pay such low interest on savings accounts?

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

Why are First National Bank Of Chillicothe CD rates not competitive?

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

Is First National Bank Of Chillicothe a commercial bank?

Yes

Where are First National Bank Of Chillicothe locations?

See branch locations nearby.

Is First National Bank Of Chillicothe open on Saturdays?

Is First National Bank Of Chillicothe open on Sundays?

What time does First National Bank Of Chillicothe open?

What time does First National Bank Of Chillicothe close?

Are First National Bank Of Chillicothe ATMs Open 24/7?

Do First National Bank Of Chillicothe ATMs accept cash deposits?

Can First National Bank Of Chillicothe customers use other ATMs?

Do First National Bank Of Chillicothe branches have notaries?

Will First National Bank Of Chillicothe notarize my document?

What address for First National Bank Of Chillicothe should I put for incoming ACH transfers?

Will the First National Bank Of Chillicothe branch print checks?

Do First National Bank Of Chillicothe checks expire?

Does First National Bank Of Chillicothe require US citizenship to open account?

Can First National Bank Of Chillicothe close my account?

Does First National Bank Of Chillicothe Report to credit bureaus?

Does First National Bank Of Chillicothe Use Equifax?

What is First National Bank Of Chillicothe's ACH Routing Number?

What is First National Bank Of Chillicothe's SWIFT code?

Products

Does First National Bank Of Chillicothe offer mortgages?

Compare mortgage rates here.

Does First National Bank Of Chillicothe offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does First National Bank Of Chillicothe offer personal loans?

Compare personal loan rates here.

Does First National Bank Of Chillicothe offer student loans?

Will First National Bank Of Chillicothe cash a check?

Will First National Bank Of Chillicothe redeem a savings bond?

Does First National Bank Of Chillicothe cash savings bonds?

Will First National Bank Of Chillicothe cash money orders?

Can First National Bank Of Chillicothe issue a money order?

Does First National Bank Of Chillicothe do currency exchange?

Background on The Bank

Who owns First National Bank Of Chillicothe?

How long has First National Bank Of Chillicothe been around?

Can First National Bank Of Chillicothe transfer to other banks?

Does First National Bank Of Chillicothe have quick pay?

Does First National Bank Of Chillicothe accept rolled coins?

Will First National Bank Of Chillicothe accept loose change?

Where is First National Bank Of Chillicothe headquarters?

Customer Reviews for First National Bank of Chillicothe

There are currently no comments for First National Bank of Chillicothe. Be the first to share your experience. Please provide comments that will help others.

Add Your Review

Rate it here →