Vitals
  • Total Assets
    279.7M 3.7 %
  • Total Deposits
    254.7M 5.4 %
  • Total Net Loans
    177.3M 8.5 %
  • Net Income
    2.0M -27.7 %
  • Book Value
    23.9M -3.8 %
  • Book Value x2
    47.8M -3.8 %
  • Book Value x3
    71.7M -3.8 %
ROAA

.708

ROAE

7.933

Efficiency Ratio

71.303

Net Interest Margin

3.225

Balance Sheet Highlights
Financial Highlights Better Banks All Insured Commercial Banks in Illinois
Balance Sheet $(000)
Total Assets 279,720 290,894
Total Net Loans 177,260 191,278
Total Deposits 254,676 246,407
Total Equity 23,914 31,125
Profitability
Net Income 1,959 2,670
Return on Average Assets .708 .919
Return on Average Equity 7.933 8.247
Net Interest Margin 3.225 3.499
Efficiency Ratio 71.303 67.9
Noninterest Income/Revenue 23.184 16.598
Balance Sheet Ratios
Loan-to-Deposit 69.602 72.669
Securities/Assets .243 .191
Total Equity/Total Assets .085 .107
Tangible Equity/Tangible Assets .075 .103
Capital Adequacy
Tier 1 Common Capital 21,851 29,670
Tier 1 Capital 21,851 29,720
Tier 2 Capital 1,367 2,112
Total Capital 23,218 31,905
Total Risk Weighted Assets 173,024 212,461
Leverage Ratio 7.78 10.62
Common Equity Tier 1 Capital Ratio 12.63 16.313
Tier 1 Capital Ratio 12.63 16.329
Total Capital Ratio 13.42 17.341

Timeline for Better Banks

First National Bank Of Chillicothe

Acquisition: Better Banks acquired a new subsidiary, First National Bank Of Chillicothe, 9 years

View Profile Aug 16 2014

Farmers State Bank, Astoria

Acquisition: Better Banks acquired a new subsidiary, Farmers State Bank, Astoria, 13 years

View Profile Jun 18 2011

Wyoming Bank & Trust Co.

Acquisition: Better Banks acquired a new subsidiary, Wyoming Bank & Trust Co., 17 years

View Profile Oct 14 2006

Bartonville Bank

Acquisition: Better Banks acquired a new subsidiary, Bartonville Bank, 19 years

View Profile Sep 17 2004

Backlund Investment Co.

Backlund Investment Co. became a new parent organization for Better Banks.

View Profile Jan 01 2003

Want to see more?

Complete timeline for Better Banks is available.

View Complete Timeline
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
First National Bank Of Chillicothe Seller 65,846 Acquisition Discontinued 8/16/2014
Farmers State Bank, Astoria Seller 18,292 Pooling of Interests Discontinued 6/18/2011
Wyoming Bank & Trust Co. Seller 14,603 Pooling of Interests Discontinued 10/14/2006
Bartonville Bank Seller 79,166 Pooling of Interests Discontinued 9/17/2004
Relationships Role Relationship Start Relationship End
Backlund Investment Co. Parent 1/1/2003
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