First Bank (IL)

Overview / Commentary

www.firstbank.bz

618-382-4118

201 East Main Street
Carmi, IL 62821

First Bank (IL) is headquartered in Carmi and is the 103^rd largest bank in the state of Illinois. It is also the 1,739^th largest bank in the nation. It was established in 1893 and as of December of 2018, it had grown to 96 employees at 9 locations. First Bank (IL)'s CD rates are 96% higher than the national average, and it has an A health rating.

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Health

Data as of Q4 2018

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Health Grade Components

Overall
FDIC Certificate #	3777
Year Established	1893
Employees	96
Primary Regulator	OCC

Profit Margin
Return on Assets - YTD	0.75%
Return on Equity - YTD	7.88%
Annual Interest Income	$16.3MM

Assets and Liabilities
Assets	Q4 2018vs Q4 2017	$405.5MM$395.8MM
Loans	Q4 2018vs Q4 2017	$279.0MM$299.4MM
Deposits	Q4 2018vs Q4 2017	$364.7MM$356.9MM
Equity Capital	Q4 2018vs Q4 2017	$38.7MM$37.6MM
Loan Loss Allowance	Q4 2018vs Q4 2017	$3.5MM$4.3MM
Unbacked Noncurrent Loans	Q4 2018vs Q4 2017	$999.00K$3.5MM
Real Estate Owned	Q4 2018vs Q4 2017	$385.00K$595.00K

Rates

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Savings
Money Market
Checking
CD
IRA

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

First Bank (IL) Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
1.02%^*	$25k^*	-	Health Savings Account
OTHER TIERS: 0.15% → $1 - $2.5k \| 0.25% → $2.5k - $10k \| 0.76% → $10k - $25k
0.30%	$1	-	Standard IRA
0.15%	$1	-	Regular Savings Account
0.15%	$1	-	Student Savings Account
0.10%	$2	$2.5k	Christmas Club Account

First Bank (IL) Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
0.20%^*	$25k^*	-	Main Street Money Market
OTHER TIERS: 0.10% → $2.5k - $10k \| 0.15% → $10k - $25k
0.15%^*	$10k^*	-	Money Market Account
OTHER TIERS: 0.10% → $2.5k - $10k

First Bank (IL) Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
2.22%	$750	$10k	YouFirst eChecking
0.15%^*	$25k^*	-	Main Street Checking
OTHER TIERS: 0.05% → $5k - $10k \| 0.10% → $10k - $25k
0.05%	$2.5k	-	Interest Checking

First Bank (IL) CD Rates

APY	MIN	MAX	ACCOUNT NAME
2.36%	$500	-	3 Year CD
2.36%	$500	-	4 Year CD
2.16%	$500	-	2 Year CD
1.91%	$500	-	18 Month CD
1.81%	$500	-	5 Year CD
1.76%	$500	-	12 Month CD
0.50%	$2.5k	-	182 Day CD
0.20%	$2.5k	-	91 Day CD

First Bank (IL) IRA Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
2.37%	$500	-	3 Year IRA
1.81%	$500	-	5 Year IRA

Locations

First Bank (IL) Locations
Grayville Branch	102 S Court St	Grayville, IL 62844
The First National Bank Of Carmi	201 East Main Street	Carmi, IL 62821
Mount Carmel Branch	601 Market Street	Mount Carmel, IL 62863
West Carmi Branch	1200 West Main Street	Carmi, IL 62821
Red Bank Road Evansville In Branch	111 South Red Bank Road	Evansville, IN 47712
Princeton Branch	2820 W Broadway	Princeton, IN 47670
Mount Vernon Branch	450 Southwind Plaza	Mount Vernon, IN 47620
Evansville, Indiana Branch	7506 Eagle Crest Boulevard	Evansville, IN 47715
Poseyville Branch	State Route 165 and Frontage Road	Poseyville, IN 47633

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