The Hill-Dodge Banking Company

The Hill-Dodge Banking Company is headquartered in Warsaw and is the 517^st largest bank in the state of Illinois. It is also the 6,800^th largest bank in the nation. It was established in 1864 and as of March of 2012, it had grown to 6 employees at 1 location. The Hill-Dodge Banking Company has a 5-star health rating.

Data for Q1 2012

Institution Statistics The Hill-Dodge Banking Company FDIC Certificate # 9274 BankRate Report View Year Established 1864 Employees 6 Primary Regulator FDIC Assets and Liabilities Assets $35.70 million Loans $21.67 million Deposits $31.50 million Equity Capital $4.16 million Loan Loss Allowance $273,000 Unbacked Noncurrent Loans $235,000 Real Estate Owned $50,000 Historic Data - March 2011 Assets $34.77 million Equity Capital $3.83 million Loan Loss Allowance $267,000 Unbacked Noncurrent Loans $210,000 Real Estate Owned $20,000 Profit Margin - Quarterly Net Interest Margin 4.44% Return on Assets 1.78% Return on Equity 15.71% Interest Income $384,000

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 March 31, 2012 The Hill-Dodge Banking Company had $285,000 in non-current loans and owned real-estate with $4.43 million in equity and loan loss allowances on hand to cover it. This gives The Hill-Dodge Banking Company a Texas Ratio of 6.43% 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 The Hill-Dodge Banking Company held steady from 5.61% as of March 31, 2011 to 6.43% as of March 31, 2012, resulting in a negative change of 14.50%. This indicates that the balance sheet and financial strength for The Hill-Dodge Banking Company has held steady in recent periods. Deposit Growth In the past year, The Hill-Dodge Banking Company has increased its total deposits by $618,000, resulting in 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 Hill-Dodge Banking Company 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. The Hill-Dodge Banking Company has $35.7 million in assets with $4.43 million in equity, resulting in a capitalization level of 12.42%, which is excellent.

No reviews have been left for this bank yet. Be the first to review.