The First Community Bank of Moultrie County

Headquarters

1 South Main Street
Sullivan, IL 61951
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.05% 1.20% →
1-Year CD 0.15% 1.10% →
2-Year CD 0.30% 1.15% →
5-Year CD 0.90% 1.56% →
30-Year Mortgage N.A. 3.09% →
15-Year Mortgage N.A. 2.59% →
HELOC N.A. 2.77% →

2020 Overview

General Bank Information

The First Community Bank of Moultrie County is an FDIC insured institution located in Sullivan, IL. It was founded in 1905 and has approximately $0.09 billion in assets. Customers can open an account at one of its 3 branches.

FDIC Insured Yes
FDIC Certificate # 3745
Date Established 1905
Assets $ 89.86 million
Loans $ 50.24 million
Deposits $ 79.75 million
Capital $ 9.52 million
 

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

Deposit Rates - August 4, 2020

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates APY MIN MAX
Savings
0.05% $10 - Learn More
Money Market
0.08% $2,500 - Learn More
Premium Money Market Account
0.15% $25,000 - Learn More
CD Rates APY MIN MAX
3 Mo CD
0.05% $500 - Learn More
6 Mo CD
0.10% $500 - Learn More
12 Mo CD
0.15% $500 - Learn More
18 Mo CD
0.20% $500 - Learn More
24 Mo CD
0.30% $500 - Learn More
30 Mo CD
0.40% $500 - Learn More
36 Mo CD
0.50% $500 - Learn More
48 Mo CD
0.65% $500 - Learn More
60 Mo CD
0.90% $500 - Learn More

Int Checking Rates APY MIN MAX
Int Ckg
0.03% $1 $2,499 Learn MoreShow Less
0.05% $2,500 $4,999 Learn MoreShow Less

Loan Rates - August 4, 2020

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for The First Community Bank of Moultrie County

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




Featured - Connecticut 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
AimLoan.com
NMLS ID: 2890
License#: 13256
2.930% 2.875% 0.75 $1,760 $1,038 Learn More
Rocket Mortgage
NMLS ID: 3030
3.368% 3.250% 1.00 $3,750 $1,089 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
3.620% 3.500% 1.00 $3,750 $1,123 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
PenFed Credit Union
PenFed Credit Union
3.750 %
$0 Learn More
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Third Federal Savings and Loans
Third Federal Savings and Loans
2.990 %
$0 Learn More
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People's United Bank, N.A.
People's United Bank, N.A.
4.000 %
$0 Learn More
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Note to The First Community Bank of Moultrie County
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Branches

The First Community Bank of Moultrie 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:
Fairfield,Connecticut


The First Community Bank of Moultrie County Locations


Financial Details

The First Community Bank of Moultrie County Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of The First Community Bank of Moultrie 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
The First Community Bank of Moultrie County U.S. Bank Average
1.82% 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, The First Community Bank of Moultrie County had $187,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $9,517,000 in equity and $748,000 in loans loss reserves. That gives it a Texas Ratio of 1.82%.

Return on Equity
The First Community Bank of Moultrie County U.S. Bank Average
9.51% 7.80%

The First Community Bank of Moultrie County has a Return on Equity of 9.51% 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
The First Community Bank of Moultrie County U.S. Bank Average
10.59% 12.68%

The First Community Bank of Moultrie County has a Capitalization of 10.59% 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.

The First Community Bank of Moultrie County Balance Sheet Analysis

As of March 31, 2020, The First Community Bank of Moultrie County had assets of $89,856,000, loans of $50,244,000, and deposits of $79,747,000. 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 $ 24.41 million
Interest-bearing balances $ 23.04 million
Total securities $ 10.32 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 50.24 million
Loan loss allowance $ 0.75 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles $ 0.42 million
All other assets $ 3.45 million
     Total Assets $ 80.34 million
LIABILITIES
Total deposits $ 79.75 million
      Interest-bearing deposits $ 64.96 million
      Deposits held in domestic offices $ 79.75 million
      % insured (estimated) 84.64%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities $ 0.59 million
      Total Liabilities $ 80.34 million
      Shareholders’ Equity $ 9.52 million

Summary Income Statement

March 31, 2020
INCOME AND EXPENSES
Total Interest Income $ 0.80 million
Total Interest Expense $ 0.05 million
Net interest income $ 0.75 million
Provision for loan and lease losses $ 0.02 million
Total non interest income $ 0.09 million
Total non interest expense $ 0.60 million
Pre-tax Net Operating Income $ 0.22 million

Bank Loan Profile?

The top three loan types in The First Community Bank of Moultrie County’s loan portfolio are 1-4 Family Residential Loans, Farm Loans, and Commercial and Industrial Loans.

Compared to other banks, The First Community Bank of Moultrie County’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.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 46.49
Multifamily
Mortgages
2.97
Credit Card Loans 0.27
Consumer Auto Loans 5.89
Small Business Loans 0.00
Construction and Development Loans 3.46
Commercial Real Estate 7.65
Commercial and Industrial Loans 7.67
Farm Loans 12.57

Frequently Asked Questions About The First Community Bank Of Moultrie County

Branches and Savings

Is The First Community Bank Of Moultrie County FDIC insured?

Yes. It is covered under FDIC Certificate #3745.

Why does The First Community Bank Of Moultrie County pay such low interest on savings accounts?

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

Why are The First Community Bank Of Moultrie County CD rates not competitive?

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

Is The First Community Bank Of Moultrie County a commercial bank?

Yes

Where are The First Community Bank Of Moultrie County locations?

See branch locations nearby.

Is The First Community Bank Of Moultrie County open on Saturdays?

Is The First Community Bank Of Moultrie County open on Sundays?

What time does The First Community Bank Of Moultrie County open?

What time does The First Community Bank Of Moultrie County close?

Are The First Community Bank Of Moultrie County ATMs Open 24/7?

Do The First Community Bank Of Moultrie County ATMs accept cash deposits?

Can The First Community Bank Of Moultrie County customers use other ATMs?

Do The First Community Bank Of Moultrie County branches have notaries?

Will The First Community Bank Of Moultrie County notarize my document?

What address for The First Community Bank Of Moultrie County should I put for incoming ACH transfers?

Will the The First Community Bank Of Moultrie County branch print checks?

Do The First Community Bank Of Moultrie County checks expire?

Does The First Community Bank Of Moultrie County require US citizenship to open account?

Can The First Community Bank Of Moultrie County close my account?

Does The First Community Bank Of Moultrie County Report to credit bureaus?

Does The First Community Bank Of Moultrie County Use Equifax?

What is The First Community Bank Of Moultrie County's ACH Routing Number?

What is The First Community Bank Of Moultrie County's SWIFT code?

Products

Does The First Community Bank Of Moultrie County offer mortgages?

Compare mortgage rates here.

Does The First Community Bank Of Moultrie County offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does The First Community Bank Of Moultrie County offer personal loans?

Compare personal loan rates here.

Does The First Community Bank Of Moultrie County offer student loans?

Will The First Community Bank Of Moultrie County cash a check?

Will The First Community Bank Of Moultrie County redeem a savings bond?

Does The First Community Bank Of Moultrie County cash savings bonds?

Will The First Community Bank Of Moultrie County cash money orders?

Can The First Community Bank Of Moultrie County issue a money order?

Does The First Community Bank Of Moultrie County do currency exchange?

Background on The Bank

Who owns The First Community Bank Of Moultrie County?

How long has The First Community Bank Of Moultrie County been around?

Can The First Community Bank Of Moultrie County transfer to other banks?

Does The First Community Bank Of Moultrie County have quick pay?

Does The First Community Bank Of Moultrie County accept rolled coins?

Will The First Community Bank Of Moultrie County accept loose change?

Where is The First Community Bank Of Moultrie County headquarters?

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