First Bankers Trust Company

Overview / Commentary

www.firstbankers.com

217-228-8000

1201 Broadway St.
Quincy, IL 62301

First Bankers Trust Company is headquartered in QUINCY and is the 49^th largest bank in the state of Illinois. It is also the 916^th largest bank in the nation. It was established in 1946 and as of March of 2023, it had grown to 167 employees at 9 locations. First Bankers Trust Company's money market rates are 6X the national average, and it has a C+ health rating.

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Health

C+

Data as of Q1 2023

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Health Grade Components

Overall
FDIC Certificate #	16501
Year Established	1946
Employees	167
Primary Regulator	OCC

Profit Margin
Return on Assets - YTD	1.03%
Return on Equity - YTD	18.92%
Annual Interest Income	$9.0MM

Assets and Liabilities
Assets	Q1 2023vs Q1 2022	$1.11B$1.19B
Loans	Q1 2023vs Q1 2022	$543.6MM$493.5MM
Deposits	Q1 2023vs Q1 2022	$904.1MM$938.1MM
Equity Capital	Q1 2023vs Q1 2022	$63.0MM$78.0MM
Loan Loss Allowance	Q1 2023vs Q1 2022	$9.3MM$11.5MM
Unbacked Noncurrent Loans	Q1 2023vs Q1 2022	$7.3MM$8.1MM
Real Estate Owned	Q1 2023vs Q1 2022	$0$400.00K

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 Bankers Trust Company Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.05%^*	$25k^*	-	Health Savings Account
OTHER TIERS: 0.01% → $100 - $25k
0.01%	$100	-	Regular Savings

First Bankers Trust Company Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
3.25%	$50k	-	Smart Business Money Market 6 Month Rate Lock - New Money
2.53%	$50k	-	Consumer Money Market 6 Month Rate Lock - New Money
2.00%^*	$2.5m^*	-	Smart Business Money Market Account
OTHER TIERS: 0.10% → Up to $25k \| 0.20% → $25k - $50k \| 1.00% → $50k - $100k \| 1.21% → $100k - $250k \| 1.41% → $250k - $500k \| 1.61% → $500k - $1m \| 1.81% → $1m - $2.5m
1.00%^*	$50k^*	-	Money Market Account
OTHER TIERS: 0.10% → Up to $2.5k \| 0.20% → $2.5k - $25k \| 0.70% → $25k - $50k

First Bankers Trust Company Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.50%^*	$1.5k^*	-	Business Interest Checking
OTHER TIERS: 0.10% → Up to $1.5k
0.30%^*	$1.5k^*	-	Premier Interest Checking
OTHER TIERS: 0.10% → Up to $1.5k
0.10%	-	-	Direct Interest Checking
0.10%	-	-	50 Plus Interest Checking

First Bankers Trust Company CD Rates

APY	MIN	MAX	ACCOUNT NAME
4.55%^*	$50k^*	-	11 Month CD Special
OTHER TIERS: 3.53% → $1k - $50k
4.35%^*	$50k^*	-	23 Month CD Special
OTHER TIERS: 4.04% → $1k - $50k
3.94%^*	$50k^*	-	35 Month CD Special
OTHER TIERS: 3.74% → $1k - $50k
3.53%^*	$50k^*	-	7 Month CD Special
OTHER TIERS: 2.82% → $1k - $50k
1.41%	$1k	-	60 Month CD
1.21%	$1k	-	48 Month CD
1.00%	$1k	-	36 Month CD
0.90%	$1k	-	24 Month CD
0.80%	$1k	-	18 Month CD
0.70%	$1k	-	12 Month CD
0.50%	$1k	-	182 Day CD
0.20%	$1k	-	91 Day CD

First Bankers Trust Company IRA Rates

APY	MIN	MAX	ACCOUNT NAME
4.55%^*	$50k^*	-	11 Month IRA Special
OTHER TIERS: 3.53% → $1k - $50k
4.35%^*	$50k^*	-	23 Month IRA Special
OTHER TIERS: 4.04% → $1k - $50k
3.94%^*	$50k^*	-	35 Month IRA Special
OTHER TIERS: 3.74% → $1k - $50k
3.53%^*	$50k^*	-	7 Month IRA Special
OTHER TIERS: 2.82% → $1k - $50k
1.41%	$1k	-	60 Month IRA
1.21%	$1k	-	48 Month IRA
1.00%	$1k	-	36 Month IRA
0.90%	$1k	-	24 Month IRA
0.80%	$1k	-	18 Month IRA
0.70%	$1k	-	12 Month IRA
0.50%	$1k	-	182 Day IRA
0.20%	$1k	-	91 Day IRA

Locations

First Bankers Trust Company Locations
Mendon Branch	101 East Collins Street	Mendon, IL 62351
Rushville Branch	116 South Congress Street	Rushville, IL 62681
First Bankers Trust Company, National Association	1201 Broadway St	Quincy, IL 62301
1395 Buchanan Street Branch	1395 Buchanan Street	Carthage, IL 62321
Springfield Branch	2201 Wabash Ave	Springfield, IL 62704
24th and Kochs Lane Facility	2321 Kochs Lane	Quincy, IL 62301
Community Facility	3333 Broadway	Quincy, IL 62301
Union Bank/West Branch	440 North Lafayette Street	Macomb, IL 61455
State At 24th Street Facility	502 South 24th Street	Quincy, IL 62301

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