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 126^th largest bank in the state of Iowa. It is also the 3,074^th largest bank in the nation. It was established in 1905 and as of December of 2018, it had grown to 32 employees at 6 locations. First Trust and Savings Bank's money market rates are 4X the national average, and it boasts an A+ health rating.

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Health

A+

Data as of Q4 2018

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Health Grade Components

Overall
FDIC Certificate #	8752
Year Established	1905
Employees	32
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	1.33%
Return on Equity - YTD	12.96%
Annual Interest Income	$8.0MM

Assets and Liabilities
Assets	Q4 2018vs Q4 2017	$181.7MM$169.1MM
Loans	Q4 2018vs Q4 2017	$160.2MM$151.5MM
Deposits	Q4 2018vs Q4 2017	$155.0MM$141.1MM
Equity Capital	Q4 2018vs Q4 2017	$18.4MM$17.2MM
Loan Loss Allowance	Q4 2018vs Q4 2017	$1.9MM$1.7MM
Unbacked Noncurrent Loans	Q4 2018vs Q4 2017	$724.00K$1.4MM
Real Estate Owned	Q4 2018vs Q4 2017	$0$0

Rates

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Savings
Money Market
Checking

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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
1.15%	$10	-	Buck-aroos Kids' Club
1.00%	$1	-	Christmas Club
0.70%	$10	-	Standard Savings
0.70%	$10	-	Business Standard Savings

First Trust and Savings Bank Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
1.71%^*	$250k^*	-	First Preferred Money Market
OTHER TIERS: 0.65% → $600 - $25k \| 0.75% → $25k - $50k \| 0.90% → $50k - $100k \| 1.26% → $100k - $250k
1.70%^*	$250k^*	-	Business First Preferred Money Market
OTHER TIERS: 0.65% → $600 - $25k \| 0.75% → $25k - $50k \| 0.90% → $50k - $100k \| 1.25% → $100k - $250k

First Trust and Savings Bank Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.65%^*	$2.5k^*	-	First Investors Account
OTHER TIERS: 0.55% → $600 - $2.5k
0.55%	$600	-	NOW Checking
0.55%	$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

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