🏦Bank Scorer

This institution is no longer active

Operations ceased on October 4, 2014. CRA examination history below reflects the period it was active.

AREA BANK

ROSICLARE, IL · Supervised by FDIC

Est. 1920FDIC #9,641RSSD: FDIC-9641
Part ofHARDIN COUNTY BCORP INC→ View all charters
Satisfactory Same

Current rating · Exam: October 2012

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.44%

Institution Profile

FDIC BankFind

Address

225 Main Street, ROSICLARE, IL

County

Hardin County

Established

April 10, 1920

Total Assets

$104M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

October 1, 2012

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 13 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.
Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q3 2014Call Report / FDIC

Total Assets

$104M

Total Deposits

$95M

Net Loans

$26M

Net Income

$335K

ROA

0.44%

ROE

5.88%

Risk-Based Capital

22.20%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

6 previous ratings locked — dating back to 1992

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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