First Bankers Trust Co. N.A.

1201 Broadway PO Box 3566
Quincy, IL 62301
1-877-228-8001
www.firstbankers.com

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First Bankers Trust Co. N.A. is headquartered in Quincy and is the 55^th largest bank in the state of Illinois. It is also the 922^nd largest bank in the nation. It was established in 1946 and as of September of 2011, it had grown to 160 employees at 10 locations. First Bankers Trust Co. N.A. has a 4-star health rating.

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See Rates for: Checking | Savings | Money Market | CD | IRA

First Bankers Trust Co. N.A. Checking Account Rates

Apy	Min	Max	Product
1.51%	-	$25k	First Rate Checking
0.35%	$25k	-	First Class Checking
0.15%	$100k	-	Business Analysis Plus Checking

First Bankers Trust Co. N.A. Savings Account Rates

Apy	Min	Max	Product
0.50%	$10k	-	Health Savings Account
0.15%	$100	-	Passbook Savings
0.08%	$10k	-	Bankers Investment Savings

First Bankers Trust Co. N.A. Money Market Rates

	Apy	Min	Max	Product
	0.40%	$50k	-	First Choice Money Market

First Bankers Trust Co. N.A. CD Rates

Apy	Min	Max	Product
1.91%	$1k	-	60 Month CD
1.51%	$1k	-	48 Month CD
1.30%	$1k	-	36 Month CD
1.10%	$1k	-	27 Month CD
0.80%	$30k	-	13 Month CD
0.70%	$1k	-	17 Month CD
0.70%	$1k	-	18 Month CD
0.70%	$1k	-	19 Month CD
0.70%	$1k	-	24 Month CD
0.70%	$1k	-	25 Month CD
0.70%	$1k	-	30 Month CD
0.50%	$1k	-	6 Month CD
0.25%	$1k	-	91 Day CD
0.25%	$1k	-	7 Month CD
0.25%	$1k	-	9 Month CD
0.25%	$1k	-	11 Month CD
0.25%	$1k	-	12 Month CD

First Bankers Trust Co. N.A. IRA Rates

Apy	Min	Max	Product
1.91%	$1k	-	60 Month IRA
1.91%	$1k	-	60 Month Roth IRA
1.91%	$1k	-	60 Month SEP IRA
1.91%	$1k	-	60 Month CESA
1.51%	$1k	-	48 Month IRA
1.51%	$1k	-	48 Month Roth IRA
1.51%	$1k	-	48 Month SEP IRA
1.51%	$1k	-	48 Month CESA
1.30%	$1k	-	36 Month IRA
1.30%	$1k	-	36 Month Roth IRA
1.30%	$1k	-	36 Month SEP IRA
1.30%	$1k	-	36 Month CESA
1.10%	$1k	-	27 Month IRA
1.10%	$1k	-	27 Month Roth IRA
1.10%	$1k	-	27 Month SEP IRA
1.10%	$1k	-	27 Month CESA
0.80%	$30k	-	13 Month IRA
0.80%	$30k	-	13 Month Roth IRA
0.80%	$30k	-	13 Month SEP IRA
0.80%	$30k	-	13 Month CESA
0.70%	$1k	-	17 Month IRA
0.70%	$1k	-	18 Month IRA
0.70%	$1k	-	19 Month IRA
0.70%	$1k	-	24 Month IRA
0.70%	$1k	-	25 Month IRA
0.70%	$1k	-	30 Month IRA
0.70%	$1k	-	17 Month Roth IRA
0.70%	$1k	-	18 Month Roth IRA
0.70%	$1k	-	19 Month Roth IRA
0.70%	$1k	-	24 Month Roth IRA
0.70%	$1k	-	25 Month Roth IRA
0.70%	$1k	-	30 Month Roth IRA
0.70%	$1k	-	17 Month SEP IRA
0.70%	$1k	-	17 Month CESA
0.70%	$1k	-	18 Month SEP IRA
0.70%	$1k	-	18 Month CESA
0.70%	$1k	-	19 Month SEP IRA
0.70%	$1k	-	19 Month CESA
0.70%	$1k	-	24 Month SEP IRA
0.70%	$1k	-	24 Month CESA
0.70%	$1k	-	25 Month SEP IRA
0.70%	$1k	-	25 Month CESA
0.70%	$1k	-	30 Month SEP IRA
0.70%	$1k	-	30 Month CESA
0.50%	$1k	-	6 Month IRA
0.50%	$1k	-	6 Month Roth IRA
0.50%	$1k	-	6 Month SEP IRA
0.50%	$1k	-	6 Month CESA
0.25%	$1k	-	91 Day IRA
0.25%	$1k	-	7 Month IRA
0.25%	$1k	-	9 Month IRA
0.25%	$1k	-	11 Month IRA
0.25%	$1k	-	12 Month IRA
0.25%	$1k	-	91 Day Roth IRA
0.25%	$1k	-	7 Month Roth IRA
0.25%	$1k	-	9 Month Roth IRA
0.25%	$1k	-	11 Month Roth IRA
0.25%	$1k	-	12 Month Roth IRA
0.25%	$1k	-	91 Day SEP IRA
0.25%	$1k	-	91 Day CESA
0.25%	$1k	-	7 Month SEP IRA
0.25%	$1k	-	7 Month CESA
0.25%	$1k	-	9 Month SEP IRA
0.25%	$1k	-	9 Month CESA
0.25%	$1k	-	11 Month SEP IRA
0.25%	$1k	-	11 Month CESA
0.25%	$1k	-	12 Month SEP IRA
0.25%	$1k	-	12 Month CESA

Rates updated: 2/11/2012

Data for Q3 2011

Institution Statistics

First Bankers Trust Company, National Association
FDIC Certificate #	16501
BankRate Report	View
Year Established	1946
Employees	160
Primary Regulator	OCC
Assets and Liabilities
Assets	$722.61 million
Loans	$364.69 million
Deposits	$602.20 million
Equity Capital	$64.23 million
Loan Loss Allowance	$4.75 million
Unbacked Noncurrent Loans	$5.60 million
Real Estate Owned	$352,000
Historic Data - September 2010
Assets	$670.12 million
Equity Capital	$59.58 million
Loan Loss Allowance	$4.94 million
Unbacked Noncurrent Loans	$5.47 million
Real Estate Owned	$692,000
Profit Margin - Quarterly
Net Interest Margin	3.03%
Return on Assets	0.85%
Return on Equity	9.76%
Interest Income	$20.17 million

Institution Health

Overall Score:

4 out of 5

Texas Ratio
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of September 30, 2011 First Bankers Trust Co. N.A. had $5.95 million in non-current loans and owned real-estate with $68.98 million in equity and loan loss allowances on hand to cover it. This gives First Bankers Trust Co. N.A. a Texas Ratio of 8.63% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for First Bankers Trust Co. N.A. held steady from 9.55% as of September 30, 2010 to 8.63% as of September 30, 2011, resulting in a positive change of 9.67%.This indicates that the balance sheet and financial strength for First Bankers Trust Co. N.A. has held steady in recent periods.
Deposit Growth
In the past year, First Bankers Trust Co. N.A. has increased its total deposits by $35.77 million, resulting in 6.32% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth First Bankers Trust Co. N.A. has shown is excellent.
Capitalization
Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. First Bankers Trust Co. N.A. has $722.61 million in assets with $68.98 million in equity, resulting in a capitalization level of 9.55%, which is average.

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