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The Edgar County Bank and Trust Co., Paris, Illinois

Overview / Commentary
177 West Wood Street
Paris, IL 61944

The Edgar County Bank and Trust Co., Paris, Illinois is headquartered in Paris and is the 115st largest bank in the state of Illinois. It is also the 1,783rd largest bank in the nation. It was established in 1873 and as of December of 2013, it had grown to 80 employees at 9 locations. The Edgar County Bank and Trust Co., Paris, Illinois has a B+ health rating.

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Health

Data for Q4 2013

Institution Health

B+

Texas Ratio

GRADE:
A

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, 2013 The Edgar County Bank and Trust Co., Paris, Illinois had $2.94 million in non-current loans and owned real-estate with $34.2 million in equity and loan loss allowances on hand to cover it. This gives The Edgar County Bank and Trust Co., Paris, Illinois a Texas Ratio of 8.60% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
B+

The Texas Ratio for The Edgar County Bank and Trust Co., Paris, Illinois decreased slightly from 10.55% as of December 31, 2012 to 8.60% as of December 31, 2013, resulting in a positive change of 18.42%.This indicates that the balance sheet and financial strength for The Edgar County Bank and Trust Co., Paris, Illinois has improved slightly in recent periods.

Deposit Growth

GRADE:
A+

In the past year, The Edgar County Bank and Trust Co., Paris, Illinois has increased its total deposits by $28.55 million, resulting in 10.2% 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 The Edgar County Bank and Trust Co., Paris, Illinois has shown is excellent.

Capitalization

GRADE:
C+

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. The Edgar County Bank and Trust Co., Paris, Illinois has $365.95 million in assets with $34.2 million in equity, resulting in a capitalization level of 9.34%, which is average.

Institution Statistics

Overall
FDIC Certificate #3722
Year Established1873
Employees80
Primary RegulatorFDIC
Assets and Liabilities
Assets$365.95 million
Loans$218.20 million
Deposits$308.37 million
Equity Capital$31.67 million
Loan Loss Allowance$2.53 million
Unbacked Noncurrent Loans$2.45 million
Real Estate Owned$497,000
Historic Data - December 2012
Assets$352.63 million
Equity Capital$34.05 million
Loan Loss Allowance$2.33 million
Unbacked Noncurrent Loans$2.45 million
Real Estate Owned$717,000
Profit Margin - Quarterly
Net Interest Margin3.84%
Return on Assets1.42%
Return on Equity15.56%
Interest Income$14.00 million
Rates

Sorry, we do not have rate data for The Edgar County Bank and Trust Co., Paris, Illinois

Locations


The Edgar County Bank and Trust Co., Paris, Illinois Locations
Ashmore Illinois Facility10 West Ashmore StreetAshmore, IL 61912
Kansas Illinois Facility101 S. Front StreetKansas, IL 61933
Watseka Branch141 Veterans ParkwayWatseka, IL 60970
Champaign Branch1601 South ProspectChampaign, IL 61820
Administrative Office Branch1605 S State St Ste 105Champaign, IL 61820
The Edgar County Bank and Trust Co., Paris, Illino177 West Wood StreetParis, IL 61944
Gilman Branch209 South Crescent StreetGilman, IL 60938
Drive-In Facility212-214 North Main StreetParis, IL 61944
Brocton, Illinois Facility301 W 3rd StreetBrocton, IL 61917