Community Banks of Shelby County, Financial Information

Terms and Definitions

• Domestic deposits

  The sum of all domestic deposits, including demand deposits, money market deposits and time deposits.
• Equity capital

  Total equity capital (includes preferred and common stock, surplus and undivided profits).
• ROA

  Return on assets, net income after taxes and extraordinary items (annualized) as a percent of average total assets.
• ROE

  Return on equity, annualized net income as a percent of average equity on a consolidated basis.

Community Banks of Shelby County offers a variety of checking accounts to meet the needs of each our customers: Free Checking, Lake Club Advantage, NOW Account, Preferred Club. Whether you are a beginning saver or a long-time investor, Community Banks of Shelby County has a savings plan for you. Banks individual retirement account products allow you to receive tax savings on your contributions.

Community Banks of Shelby County offers loans to finance your next major purchase. Whether you are looking at a new car or would like to upgrade to a high-efficiency furnace, Community Banks of Shelby County welcome the opportunity to work with you on financing that purchase. Community Banks of Shelby offers a completes line of mortgage products including several special programs that have little or no down payment required.

Cowden Main Bank
126 North Grand, Route 128
P.O. Box 157
Cowden, IL 62422
Phone (217) 783-2121
Fax (217) 783-2160

Shelbyville Facility
Route 16 Dacey Drive
P.O. Box 344
Shelbyville, IL 62565
Phone (217) 774-2131
Fax (217) 774-4309

Herrick Facility
3 South Broadway
P.O. Box 275
Herrick, IL 62431
Phone (618) 428-5228
Fax (618) 428-5264