The First Trust and Savings Bank of Watseka, Illinois

The First Trust and Savings Bank of Watseka, Illinois is headquartered in Watseka and is the 193^rd largest bank in the state of Illinois. It is also the 2,859^th largest bank in the nation. It was established in 1909 and as of March of 2012, it had grown to 33 employees at 2 locations. The First Trust and Savings Bank of Watseka, Illinois has a 5-star health rating.

The First Trust and Savings Bank of Watseka, Illinois Checking Account Rates

The First Trust and Savings Bank of Watseka, Illinois Savings Account Rates

The First Trust and Savings Bank of Watseka, Illinois Money Market Rates

The First Trust and Savings Bank of Watseka, Illinois CD Rates

The First Trust and Savings Bank of Watseka, Illinois IRA Rates

Data for Q1 2012

Institution Statistics The First Trust and Savings Bank of Watseka, Illinois FDIC Certificate # 10831 BankRate Report View Year Established 1909 Employees 33 Primary Regulator FED Assets and Liabilities Assets $223.04 million Loans $94.45 million Deposits $195.83 million Equity Capital $26.82 million Loan Loss Allowance $1.96 million Unbacked Noncurrent Loans $1.24 million Historic Data - March 2011 Assets $196.28 million Equity Capital $24.35 million Loan Loss Allowance $1.98 million Unbacked Noncurrent Loans $832,000 Real Estate Owned $136,000 Profit Margin - Quarterly Net Interest Margin 3.07% Return on Assets 1.44% Return on Equity 11.95% Interest Income $1.81 million

Institution Health Overall Score: 5 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 March 31, 2012 The First Trust and Savings Bank of Watseka, Illinois had $1.24 million in non-current loans and owned real-estate with $28.77 million in equity and loan loss allowances on hand to cover it. This gives The First Trust and Savings Bank of Watseka, Illinois a Texas Ratio of 4.31% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for The First Trust and Savings Bank of Watseka, Illinois held steady from 3.68% as of March 31, 2011 to 4.31% as of March 31, 2012, resulting in a negative change of 17.15%. This indicates that the balance sheet and financial strength for The First Trust and Savings Bank of Watseka, Illinois has held steady in recent periods. Deposit Growth In the past year, The First Trust and Savings Bank of Watseka, Illinois has increased its total deposits by $24.24 million, resulting in 14.13% 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 The First Trust and Savings Bank of Watseka, Illinois 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. The First Trust and Savings Bank of Watseka, Illinois has $223.04 million in assets with $28.77 million in equity, resulting in a capitalization level of 12.90%, which is excellent.

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