German American State Bank

Overview / Commentary

www.germanamericanstatebank.com

815-362-2310

100 Church Street
German Valley, IL 61039

German American State Bank is headquartered in German Valley and is the 160^th largest bank in the state of Illinois. It is also the 2,542^nd largest bank in the nation. It was established in 1907 and as of December of 2018, it had grown to 43 employees at 4 locations. German American State Bank's money market rates are 3X the national average, and it has an A health rating.

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Health

Data as of Q4 2018

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Health Grade Components

Overall
FDIC Certificate #	5749
Year Established	1907
Employees	43
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	1.27%
Return on Equity - YTD	13.62%
Annual Interest Income	$10.4MM

Assets and Liabilities
Assets	Q4 2018vs Q4 2017	$246.1MM$240.6MM
Loans	Q4 2018vs Q4 2017	$176.8MM$166.6MM
Deposits	Q4 2018vs Q4 2017	$214.9MM$211.5MM
Equity Capital	Q4 2018vs Q4 2017	$23.7MM$22.4MM
Loan Loss Allowance	Q4 2018vs Q4 2017	$2.0MM$2.0MM
Unbacked Noncurrent Loans	Q4 2018vs Q4 2017	$1.0MM$768.00K
Real Estate Owned	Q4 2018vs Q4 2017	$111.00K$93.00K

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.

German American State Bank Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
1.00%^*	-	$50k	Kasasa Saver
OTHER TIERS: 0.25% → $50k+
0.10%	-	-	Lifetime Savings
0.10%	-	-	Youth Savings (Club Bucks)
0.10%	-	-	Santa Savings
0.10%	-	-	Vacation Savings

German American State Bank Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
1.25%^*	$100k^*	-	Money Market Accounts
OTHER TIERS: 0.10% → Up to $50k \| 0.50% → $50k - $100k

German American State Bank Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
2.01%	-	$10k	Kasasa Cash

German American State Bank CD Rates

APY	MIN	MAX	ACCOUNT NAME
3.03%	$10k	-	5 Year Step Up CD Special
2.25%	$10k	-	18 Month CD Special
1.00%^*	$50k^*	-	60 Month CD
OTHER TIERS: 0.75% → $1k - $50k
0.60%^*	$50k^*	-	36 Month CD
OTHER TIERS: 0.35% → $1k - $50k
0.60%^*	$50k^*	-	48 Month CD
OTHER TIERS: 0.35% → $1k - $50k
0.45%^*	$50k^*	-	30 Month CD
OTHER TIERS: 0.35% → $1k - $50k
0.25%^*	$50k^*	-	24 Month CD
OTHER TIERS: 0.15% → $1k - $50k
0.20%^*	$50k^*	-	18 Month CD
OTHER TIERS: 0.10% → $1k - $50k
0.15%^*	$50k^*	-	12 Month CD
OTHER TIERS: 0.10% → $1k - $50k
0.10%	$1k	-	6 Month CD

German American State Bank IRA Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
2.25%	$10k	-	18 Month IRA Special

Locations

German American State Bank Locations
German-American State Bank	100 Church Street	German Valley, IL 61039
Pecatonica Facility	1305 Main Street	Pecatonica, IL 61063
Seward	3034 S. Pecatonica Rd.	Seward, IL 61077
Winnebago Branch	809 Cannell-Puri Court	Winnebago, IL 61088

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