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 98^th largest bank in the state of Illinois. It is also the 1,724^th largest bank in the nation. It was established in 1893 and as of September of 2019, it had grown to 97 employees at 9 locations. First Bank (IL)'s CD rates are 68% higher than the national average, and it has an A health rating.

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Health

Data as of Q3 2019

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Health Grade Components

Overall
FDIC Certificate #	3777
Year Established	1893
Employees	97
Primary Regulator	OCC

Profit Margin
Return on Assets - YTD	0.92%
Return on Equity - YTD	9.56%
Annual Interest Income	$13.0MM

Assets and Liabilities
Assets	Q3 2019vs Q3 2018	$415.0MM$401.6MM
Loans	Q3 2019vs Q3 2018	$262.5MM$285.9MM
Deposits	Q3 2019vs Q3 2018	$371.7MM$362.2MM
Equity Capital	Q3 2019vs Q3 2018	$41.2MM$38.5MM
Loan Loss Allowance	Q3 2019vs Q3 2018	$3.9MM$3.5MM
Unbacked Noncurrent Loans	Q3 2019vs Q3 2018	$300.00K$1.4MM
Real Estate Owned	Q3 2019vs Q3 2018	$259.00K$504.00K

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	VIEW DETAILS
0.20%^*	$25k^*	-	Main Street Money Market
OTHER TIERS: 0.10% → $2.5k - $10k \| 0.15% → $10k - $25k

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
1.86%	$500	-	4 Year CD
1.81%	$500	-	3 Year CD
1.81%	$500	-	5 Year CD
1.76%	$500	-	2 Year CD
1.66%	$500	-	18 Month CD
1.51%	$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
1.81%	$500	-	3 Year IRA
1.81%	$500	-	5 Year IRA

Locations

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

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