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 153^rd largest bank in the state of Illinois. It is also the 2,525^th largest bank in the nation. It was established in 1907 and as of September of 2019, it had grown to 41 employees at 4 locations. German American State Bank's money market rates are 2X the national average, and it has an A health rating.

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Health

Data as of Q3 2019

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Health Grade Components

Overall
FDIC Certificate #	5749
Year Established	1907
Employees	41
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	1.15%
Return on Equity - YTD	11.4%
Annual Interest Income	$8.2MM

Assets and Liabilities
Assets	Q3 2019vs Q3 2018	$246.6MM$247.5MM
Loans	Q3 2019vs Q3 2018	$177.1MM$174.4MM
Deposits	Q3 2019vs Q3 2018	$217.2MM$219.2MM
Equity Capital	Q3 2019vs Q3 2018	$26.0MM$23.2MM
Loan Loss Allowance	Q3 2019vs Q3 2018	$2.1MM$2.0MM
Unbacked Noncurrent Loans	Q3 2019vs Q3 2018	$727.00K$802.00K
Real Estate Owned	Q3 2019vs Q3 2018	$149.00K$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%	$25	-	Santa Savings
0.10%	$25	-	Vacation Savings

German American State Bank Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
1.00%^*	$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
2.12%	$10k	$250k	5 Year Step Up CD Special
2.00%	$10k	-	36 Month CD Special
1.75%	$100k	-	18 Month CD Special
0.75%^*	$50k^*	-	60 Month CD
OTHER TIERS: 0.50% → $1k - $50k
0.50%^*	$50k^*	-	30 Month CD
OTHER TIERS: 0.25% → $1k - $50k
0.50%^*	$50k^*	-	36 Month CD
OTHER TIERS: 0.25% → $1k - $50k
0.50%^*	$50k^*	-	48 Month CD
OTHER TIERS: 0.25% → $1k - $50k
0.20%^*	$50k^*	-	18 Month CD
OTHER TIERS: 0.10% → $1k - $50k
0.20%^*	$50k^*	-	24 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
2.12%	$10k	$250k	5 Year Step Up IRA Special
2.00%	$10k	-	36 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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