Bank of Calhoun County

Bank of Calhoun County is headquartered in Hardin and is the 434^th largest bank in the state of Illinois. It is also the 5,949^th largest bank in the nation. It was established in 1898 and as of December of 2011, it had grown to 17 employees at 3 locations. Bank of Calhoun County has a 5-star health rating.

Bank of Calhoun County Routing Number: 081913417

Bank of Calhoun County CD Rates

Bank of Calhoun County IRA Rates

Data for Q4 2011

Institution Statistics Bank of Calhoun County FDIC Certificate # 12549 BankRate Report View Year Established 1898 Employees 17 Primary Regulator FDIC Assets and Liabilities Assets $64.46 million Loans $32.50 million Deposits $57.65 million Equity Capital $6.23 million Loan Loss Allowance $381,000 Unbacked Noncurrent Loans $55,000 Real Estate Owned $403,000 Historic Data - December 2010 Assets $63.19 million Equity Capital $6.33 million Loan Loss Allowance $391,000 Unbacked Noncurrent Loans $474,000 Real Estate Owned $1.03 million Profit Margin - Quarterly Net Interest Margin 3.34% Return on Assets 0.15% Return on Equity 1.47% Interest Income $2.47 million

Institution Health Overall Score: 5 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 Bank of Calhoun County had $458,000 in non-current loans and owned real-estate with $6.61 million in equity and loan loss allowances on hand to cover it. This gives Bank of Calhoun County a Texas Ratio of 6.93% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Bank of Calhoun County decreased significantly from 22.38% as of December 31, 2010 to 6.93% as of December 31, 2011, resulting in a positive change of 69.05%.This indicates that the balance sheet and financial strength for Bank of Calhoun County has improved significantly in recent periods. Deposit Growth In the past year, Bank of Calhoun County has increased its total deposits by $1.39 million, resulting in 2.47% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Bank of Calhoun County has shown is above average. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Bank of Calhoun County has $64.46 million in assets with $6.61 million in equity, resulting in a capitalization level of 10.26%, which is above average.

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