First Trust and Savings Bank

Overview / Commentary

www.firsttrustsavings.com

563-374-1247

123 S. Main St.
Wheatland, IA 52777

First Trust and Savings Bank is headquartered in Wheatland and is the 115^th largest bank in the state of Iowa. It is also the 2,888^th largest bank in the nation. It was established in 1905 and as of September of 2021, it had grown to 41 employees at 7 locations. First Trust and Savings Bank has an A health rating.

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Health

Data as of Q3 2021

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Health Grade Components

Overall
FDIC Certificate #	8752
Year Established	1905
Employees	41
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	1.18%
Return on Equity - YTD	12.26%
Annual Interest Income	$7.2MM

Assets and Liabilities
Assets	Q3 2021vs Q3 2020	$235.5MM$213.4MM
Loans	Q3 2021vs Q3 2020	$181.6MM$184.7MM
Deposits	Q3 2021vs Q3 2020	$201.6MM$181.1MM
Equity Capital	Q3 2021vs Q3 2020	$22.8MM$21.2MM
Loan Loss Allowance	Q3 2021vs Q3 2020	$2.4MM$2.1MM
Unbacked Noncurrent Loans	Q3 2021vs Q3 2020	$1.7MM$874.00K
Real Estate Owned	Q3 2021vs Q3 2020	$0$0

Rates

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

First Trust and Savings Bank Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.50%	$10	-	Buck-aroos Kids' Club
0.40%	$1	-	Christmas Club
0.10%	$10	-	Standard Savings
0.10%	$10	-	Business Standard Savings

First Trust and Savings Bank Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
0.25%^*	$100k^*	-	First Preferred Money Market
OTHER TIERS: 0.05% → $600 - $25k \| 0.10% → $25k - $50k \| 0.15% → $50k - $100k
0.25%^*	$100k^*	-	Business First Preferred Money Market
OTHER TIERS: 0.05% → $600 - $25k \| 0.10% → $25k - $50k \| 0.15% → $50k - $100k

First Trust and Savings Bank Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.10%^*	$2.5k^*	-	First Investors Account
OTHER TIERS: 0.05% → $600 - $2.5k
0.05%	$600	-	NOW Checking
0.05%	$600	-	Business NOW Checking

Locations

First Trust and Savings Bank Locations
Donahue Branch	104 1st	Donahue, IA 52746
First Trust and Savings Bank	123 S. Main St.	Wheatland, IA 52777
Calamus Branch	195 2nd Street	Calamus, IA 52729
Lost Nation Branch	200 Long Avenue	Lost Nation, IA 52254
Dixon Branch	506 Davenport St	Dixon, IA 52745
Grand Mound Branch	601 Smith Street	Grand Mound, IA 52751
Eldridge Branch	100 S. 4th Avenue	Eldridge, IA 52748

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