Prospect Bank

Overview / Commentary

www.bankprospect.com

217-465-4154

177 West Wood Street
Paris, IL 61944

Prospect Bank is headquartered in Paris and is the 76^th largest bank in the state of Illinois. It is also the 1,290^th largest bank in the nation. It was established in 1873 and as of December of 2020, it had grown to 90 employees at 10 locations. Prospect Bank has a B+ health rating.

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Health

B+

Data as of Q4 2020

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Health Grade Components

Overall
FDIC Certificate #	3722
Year Established	1873
Employees	90
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	1.09%
Return on Equity - YTD	11.68%
Annual Interest Income	$21.3MM

Assets and Liabilities
Assets	Q4 2020vs Q4 2019	$674.8MM$559.6MM
Loans	Q4 2020vs Q4 2019	$390.5MM$335.7MM
Deposits	Q4 2020vs Q4 2019	$566.7MM$455.4MM
Equity Capital	Q4 2020vs Q4 2019	$58.9MM$53.9MM
Loan Loss Allowance	Q4 2020vs Q4 2019	$3.8MM$2.8MM
Unbacked Noncurrent Loans	Q4 2020vs Q4 2019	$5.5MM$2.9MM
Real Estate Owned	Q4 2020vs Q4 2019	$7.00K$69.00K

Rates

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

Prospect Bank Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
1.00%^*	$25k^*	-	Kasasa Saver
OTHER TIERS: 0.25% → Up to $25k

Prospect Bank Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
3.50%^*	-	$15k	Kasasa Cash Checking
OTHER TIERS: 0.25% → $15k+

Locations

Cities: Ashmore, Brocton, Champaign, Gilman, Homer, Kansas, Paris, Sidell, Watseka

Ashmore Branches
Ashmore Illinois Facility	10 West Ashmore Street	Ashmore, IL 61912

Brocton Branches
Brocton, Illinois Facility	301 W 3rd Street	Brocton, IL 61917

Champaign Branches
Champaign Branch	1601 South Prospect Avenue	Champaign, IL 61820

Gilman Branches
Gilman Branch	209 South Crescent Street	Gilman, IL 60938

Homer Branches
Homer Bank	134 South Main Street	Homer, IL 61849

Kansas Branches
Kansas Illinois Facility	101 S. Front Street	Kansas, IL 61933

Paris Branches
The Edgar County Bank and Trust Co., Paris, Illino	177 West Wood Street	Paris, IL 61944
Drive-In Facility	212-214 North Main Street	Paris, IL 61944

Sidell Branches
Sidell Branch	504 North Chicago Street	Sidell, IL 61876

Watseka Branches
Watseka Branch	141 Veterans Parkway	Watseka, IL 60970

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