Bank of Calhoun County in Hardin, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Bank of Calhoun County in Hardin, Illinois (IL)
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Bank of Calhoun County - Overview

  • General
  • FDIC Certificate #: 12549
    Status: Active
    Federal Reserve ID: 960047
    Bank Holding Company (Regulatory Top Holder): Bcc Bancshares, Inc. (RSSDID: 2753289, Location: Hardin, IL)
    Date Established: January 01, 1898
    WWW: http://www.bankofcalhouncounty.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 3 (Domestic: 3, Interstate: No)
    OTS Docket #: 12789
    FDIC's unique #: 7983
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Mortgage Lending Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: Park And Main Streets, Hardin, IL 62047
    County: Calhoun
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Springfield Il
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
    Combined Statistical Area (CSA): St. Louis-St. Charles-Farmington, MO-IL (#476)
    Core Based Statistical Area (CBSA): St. Louis, MO-IL (#41180)
    CBSA Metro Statistical Area: St. Louis, MO-IL (#41180)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $64.5 mil
    Equity capital: $6.2 mil
    Deposits held in domestic offices: $57.6 mil
    Return on assets (ROA): 0.15% ($0.1 mil)
    Quarterly return on assets: -0.35% (-$0.2 mil)
    Return on Equity (ROE): 1.47% ($0.1 mil)
    Quarterly return on equity: -3.56% (-$0.2 mil)
    Net income: $0.1 mil
    Quarterly Net income: -$0.1 mil
    Pretax return on assets: 0.16% ($103.1 mil)
    Quarterly Pretax return on assets: -0.35% (-$225.6 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

  • Dollar figures in thousands
  • 17Total employees (full-time equivalent)
  • $64,461Total assets
  • $1,814Cash and due from depository institutions
  • $83Interest-bearing balances
  • $22,004Securities
  • $2,331Federal funds sold & reverse repurchase agreements
  • $32,502Net loans & leases
  • $381Loan loss allowance
  • $0Trading account assets
  • $1,519Bank premises and fixed assets
  • $403Other real estate owned
  • $0Goodwill and other intangibles
  • $64,460Life insurance assets
  • $3,888All other assets
  • $58,229Total liabilities and capital
  • $57,645Total liabilities
  • $48,122Total deposits
  • $57,645Interest-bearing deposits
  • $92Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $584Subordinated debt
  • $6,231All other liabilities
  • $6,231Total equity capital
  • $6,231Total bank equity capital
  • $0Perpetual preferred stock
  • $292Common stock
  • $2,708Surplus
  • $3,231Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $55Income earned, not collected on loans
  • $0Earning assets
  • $333Long-term assets (5+ years)
  • $56,920Average Assets, year-to-date
  • $9,982Average Assets, quarterly
  • $63,587Volatile liabilities
  • $64,511Insider loans
  • $33,025FHLB advances
  • $64,533Loans and leases held for sale
  • $1,766Unused loan commitments
  • $1,766Tier 1 (core) risk-based capital
  • $4,994Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $356Restructured Loans and leases
  • $699Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $2,469Total interest income
  • $609Total interest expense
  • $1,860Net interest income
  • $0Provision for loan and lease losses
  • $285Total noninterest income
  • $0Fiduciary activities
  • $98Service charges on deposit accounts
  • $0Trading account gains & fees
  • $187Additional noninterest income
  • $2,046Total noninterest expense
  • $889Salaries and employee benefits
  • $326Premises and equipment expense
  • $831Additional noninterest expense
  • $99Pre-tax net operating income
  • $0Securities gains (losses)
  • $6Applicable income taxes
  • $93Income before extraordinary items
  • $0Extraordinary gains - net
  • $93Net income attributable to bank
  • $0Net charge-offs
  • $93Cash dividends
  • $10Sale, conversion, retirement of capital stock, net
  • $250Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.43%Yield on earning assets
  • 1.09%Cost of funding earning assets
  • 3.34%Net interest margin
  • 0.51%Noninterest income to earning assets
  • 3.67%Noninterest expense to earning assets
  • 0.15%Net operating income to assets
  • 0.15%Return on assets (ROA)
  • 0.16%Pretax return on assets
  • 1.47%Return on equity (ROE)
  • -2.49%Retained earnings to average equity (YTD only)
  • 0.03%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 9.90%Efficiency ratio
  • 95,385Assets per employee
  • 3.79%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 268.82%Loss allowance to loans
  • 1.16%Loss allowance to noncurrent loans
  • 692.73%Noncurrent assets plus other real estate owned to assets
  • 0.71%Noncurrent loans to loans
  • 0.17%Net loans and leases to deposits
  • 56.38%Net loans and leases to core deposits
  • 61.12%Equity capital to assets
  • 9.67%Core capital (leverage) ratio
  • 7.74%Tier 1 risk-based capital ratio
  • 15.12%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $63,587Average earning assets
  • $6,316Average equity
  • $55,729Average loans

List of branches

  • 3 Illinois Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    07983Bank Of Calhoun CountyPark And Main Streets, Hardin, IL 62047January 01, 1898Full Service Brick and Mortar
    1227456South County FacilityCommunity Drive And School Lane, Brussels, IL 62013December 17, 1984Full Service Brick and Mortar
    2227457Fieldon BranchHghway 16 And 3rd Street, Fieldon, IL 62031January 15, 1996Full Service Brick and Mortar

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