First State Bank of Beecher City

Overview / Commentary

www.fsbbc.com

618-487-5161

101 South Charles Street
Beecher City, IL 62414

First State Bank of Beecher City is headquartered in Beecher City and is the 328^th largest bank in the state of Illinois. It is also the 4,465^th largest bank in the nation. It was established in 1910 and as of June of 2019, it had grown to 15 employees at 1 location. First State Bank of Beecher City's savings rates are 3X the national average, and it has an A health rating.

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Health

Data as of Q2 2019

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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on equity can represent an instability risk beyond what their financial ratios indicate. First State Bank of Beecher City has a relatively low asset base.

Health Grade Components

Overall
FDIC Certificate #	10871
Year Established	1910
Employees	15
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	2.06%
Return on Equity - YTD	11.61%
Annual Interest Income	$2.0MM

Assets and Liabilities
Assets	Q2 2019vs Q2 2018	$73.5MM$70.8MM
Loans	Q2 2019vs Q2 2018	$55.5MM$59.6MM
Deposits	Q2 2019vs Q2 2018	$60.2MM$58.2MM
Equity Capital	Q2 2019vs Q2 2018	$13.2MM$12.4MM
Loan Loss Allowance	Q2 2019vs Q2 2018	$1.2MM$1.2MM
Unbacked Noncurrent Loans	Q2 2019vs Q2 2018	$727.00K$1.3MM
Real Estate Owned	Q2 2019vs Q2 2018	$0$0

Rates

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Savings
Checking
CD

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

First State Bank of Beecher City Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
2.02%	$100	-	IRA Savings
1.36%^*	$40k^*	-	Passbook Savings
OTHER TIERS: 0.50% → Up to $10k \| 0.80% → $10k - $40k
1.00%	$10	$3k	Christmas Club

First State Bank of Beecher City Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
1.51%^*	$300k^*	-	Super NOW Account
OTHER TIERS: 0.50% → $1k - $10k \| 0.80% → $10k - $50k \| 1.31% → $50k - $300k
0.60%	$500	-	NOW Account

First State Bank of Beecher City CD Rates

APY	MIN	MAX	ACCOUNT NAME
2.43%	$500	-	60 Month CD
2.33%	$500	-	48 Month CD
2.22%	$500	-	36 Month CD
2.12%	$500	-	30 Month CD
2.02%	$500	-	24 Month CD
1.92%	$500	-	18 Month CD
1.82%	$500	-	12 Month CD
1.00%	$2.5k	-	182 Day CD
0.50%	$2.5k	-	91 Day CD

Locations

First State Bank of Beecher City Locations
First State Bank Of Beecher City	101 South Charles Street	Beecher City, IL 62414

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