Bank of Calhoun County Reports – 960047

Bank of Calhoun County Financial Reports

Quater Ended: 2023-12-31

Bank of Calhoun County is a Commercial bank, state charter, Fed non-member, and supervised by the Federal Deposit Insurance Corporation (FDIC) located in Hardin, IL. Established on 01/01/1898, the bank is regulated by the FDIC and has 3 domestic offices. It operates in the St. Louis, MO-IL.

The bank has 13 employees and holds $92,946k in total assets. With a focus on community banking, the bank has been serving its customers since 01/01/1898.

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Bank of Calhoun County Institution Profile

Established Date 01/01/1898 Institution Class Commercial bank, state charter, Fed non-member, and supervised by the Federal Deposit Insurance Corporation (FDIC)
Primary Regulator FDIC Number of Domestic Offices 3
Number of Foreign Offices 0 Number of US Offices 0
Number of Employees 13 Directly owned by another bank (CERT) No
Community Bank Yes ZIP 62047
Ownership Type Not Mutual City Hardin
State Alpha code IL State and County Number 17013
Subchapter S Corporations No Trust Powers Trust Powers Not Known
Federal Reserve ID Number 8 Federal Reserve ID Number Description ST. LOUIS
Office of The Comptroller District: CENTRAL DISTRICT Office of Thrift Supervision Region Central
Last Structure Change Effective Date 08/31/2022 Date of Deposit Insurance 01/01/1934
Primary Insurance Agency DIF

Institution Profile Overview

Delve into the foundational details of Bank of Calhoun County with our “Institution Profile” table. The 01/01/1898 marks the bank’s inception, providing historical context. Categorized as a Commercial bank, state charter, Fed non-member, and supervised by the Federal Deposit Insurance Corporation (FDIC), the bank operates under the oversight of FDIC, ensuring compliance and regulatory adherence.

3 domestic offices reflect the bank’s physical footprint, while insights into ownership type, trust powers, and regulatory affiliations contribute to understanding its operational structure. Details such as Hardin, IL, and 62047 provide geographic context. Explore these attributes to gain a holistic view of Bank of Calhoun County in the financial landscape.

Bank of Calhoun County Financials

(USD, in thousands)

Total Assets 92,946 Total Liabilities 85,011
Total Equity Capital 7,935 Total Deposits 84,777
Net Loans and Leases 45,104 Total Interest Income 914
Total Noninterest Income 57 Total Interest Expense 203
Total Noninterest Expense 498 Tier 1 Risk-Based Capital Ratio 0
Net Loans and Leases to Core Deposits 59 Return on Assets 1
Return on Equity 9 Efficiency Ratio 65

Financial Performance Overview

Gain a comprehensive perspective on Bank of Calhoun County’s financial landscape through our “Financials” table. The bank boasts total assets of $92,946k, showcasing its substantial scale and influential market presence. A nuanced breakdown reveals insights into the bank’s financial structure and stability, with total liabilities standing at $85,011k and total equity capital at $7,935k.

Delve into key operational metrics, including total deposits of $84,777k, net loans and leases at $45k, and a meticulous analysis of income and expense components. Explore vital ratios such as the Tier 1 Risk-Based Capital Ratio, standing at 0, and Return on Assets at 0.8. These metrics provide valuable insights into the bank’s risk management strategies and overall profitability.

This detailed financial overview is designed to enhance your understanding of Bank of Calhoun County’s performance and competitive positioning within the financial industry.

Bank of Calhoun County Additional Financial Information

(USD, in thousands)

Earnings Coverage of Net Loan Charge-Offs(x) 0 Net Loans and Leases to Core Deposits 59
Tier 1 Risk-Based Capital Ratio 0 Securities Gains (Losses) 0
Goodwill and Other Intangibles N/A Cost of Funding Earning Assets 1
Yield on Earning Assets 4 Total Interest Income 914
Applicable Income Taxes 89 Loss Allowance to Loans and Leases 1
Net Loans and Leases 45,104 Loss Allowance to Noncurrent Loans and Leases 0
Noncurrent Loans to Loans 0 Net Income Attributable to Bank and Noncontrolling Interests 181
Net Interest Income 711 Net Interest Margin 3
Net Operating Income to Assets 1 Noninterest Income to Average Assets 0
Total Noninterest Income 57 Noninterest Expense to Average Assets 2
Total Noninterest Expense 498 Net Charge-Offs to Loans and Leases 0
All Other Assets 1,432 Other Real Estate Owned 0
Other borrowed funds 0 Pre-tax Net Operating Income 270
Pretax Return on Assets 1 Return on Assets 1
Retained Earnings to Average Equity (YTD only) 8

Insights into Financial Metrics

Enhance your understanding of Bank of Calhoun County’s financial standing through our “Additional Financial Information” table. Explore key metrics such as Net Loans and Leases: $45,104k and Net Interest Income $711k to gain valuable insights into the bank’s core operations and revenue streams. Assess the Tier 1 Risk-Based Capital Ratio: 0 for in-depth insights into capital adequacy and risk management strategies.

Delve into the intricacies of Net Charge-Offs to Loans and Leases: -0.02 to evaluate the bank’s asset quality and risk mitigation efforts. Examine the composition of income through Total Noninterest Income:$57k and evaluate operational efficiency using metrics like Efficiency Ratio: 64.84. This nuanced financial overview empowers a comprehensive analysis of Bank of Calhoun County’s strategic financial position and performance in the industry.

This table provides key financial information about Bank of Calhoun County. Get more data about Bank of Calhoun County on Visbanking Report Portal.