The Fairfield National Bank

Overview / Commentary

www.fnbcommunitybank.com

618-842-2107

220 East Main Street
Fairfield, IL 62837

The Fairfield National Bank is headquartered in Fairfield and is the 72^nd largest bank in the state of Illinois. It is also the 1,277^th largest bank in the nation. It was established in 1903 and as of December of 2018, it had grown to 52 employees at 3 locations. The Fairfield National Bank's CD rates are 2X 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 #	3792
Year Established	1903
Employees	52
Primary Regulator	OCC

Profit Margin
Return on Assets - YTD	1.2%
Return on Equity - YTD	11.12%
Annual Interest Income	$20.6MM

Assets and Liabilities
Assets	Q4 2018vs Q4 2017	$568.4MM$555.5MM
Loans	Q4 2018vs Q4 2017	$350.7MM$326.9MM
Deposits	Q4 2018vs Q4 2017	$352.1MM$354.1MM
Equity Capital	Q4 2018vs Q4 2017	$62.7MM$60.2MM
Loan Loss Allowance	Q4 2018vs Q4 2017	$1.5MM$1.5MM
Unbacked Noncurrent Loans	Q4 2018vs Q4 2017	$3.1MM$2.4MM
Real Estate Owned	Q4 2018vs Q4 2017	$311.00K$0

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.

The Fairfield National Bank Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.50%	$5	-	Vacation Club
0.50%	$5	-	Christmas Club
0.20%	$100	-	Passbook Savings
0.20%	$100	-	Business Savings
0.20%	$100	-	Preferred Savings
0.20%	$100	-	Preferred Business Savings

The Fairfield National Bank Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
0.35%^*	$250k^*	-	Preferred Money Market Checking
OTHER TIERS: 0.05% → $15k - $25k \| 0.10% → $25k - $100k \| 0.30% → $100k - $250k
0.35%^*	$250k^*	-	Preferred Business Money Market Checking
OTHER TIERS: 0.05% → $15k - $25k \| 0.10% → $25k - $100k \| 0.30% → $100k - $250k
0.25%^*	$100k^*	-	Money Market Account
OTHER TIERS: 0.03% → $2.5k - $10k \| 0.05% → $10k - $50k \| 0.15% → $50k - $100k
0.25%^*	$100k^*	-	Business Money Market Account
OTHER TIERS: 0.03% → $2.5k - $10k \| 0.05% → $10k - $50k \| 0.15% → $50k - $100k

The Fairfield National Bank Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.75%^*	$10k^*	-	Secure Plus Account
OTHER TIERS: 0.15% → Up to $1k \| 0.25% → $1k - $10k
0.07%^*	$50k^*	-	Business Super Now Account
OTHER TIERS: 0.03% → $1k - $10k \| 0.05% → $10k - $50k
0.05%^*	$50k^*	-	Business Now Account
OTHER TIERS: 0.01% → $500 - $1k \| 0.02% → $1k - $10k \| 0.03% → $10k - $50k
0.05%^*	$50k^*	-	Preferred Business Now Account
OTHER TIERS: 0.01% → $500 - $1k \| 0.02% → $1k - $10k \| 0.03% → $10k - $50k

The Fairfield National Bank CD Rates

APY	MIN	MAX	ACCOUNT NAME
2.62%^*	$100k^*	-	60 Month Certificate
OTHER TIERS: 2.41% → $500 - $2.5k \| 2.47% → $2.5k - $10k \| 2.52% → $10k - $50k \| 2.57% → $50k - $100k
2.47%^*	$100k^*	-	48 Month Certificate
OTHER TIERS: 2.26% → $500 - $2.5k \| 2.31% → $2.5k - $10k \| 2.36% → $10k - $50k \| 2.41% → $50k - $100k
2.36%^*	$100k^*	-	36 Month Certificate
OTHER TIERS: 2.16% → $500 - $2.5k \| 2.21% → $2.5k - $10k \| 2.26% → $10k - $50k \| 2.31% → $50k - $100k
2.31%^*	$100k^*	-	30 Month Certificate
OTHER TIERS: 2.11% → $500 - $2.5k \| 2.16% → $2.5k - $10k \| 2.21% → $10k - $50k \| 2.26% → $50k - $100k
2.26%^*	$100k^*	-	24 Month Certificate
OTHER TIERS: 2.06% → $500 - $2.5k \| 2.11% → $2.5k - $10k \| 2.16% → $10k - $50k \| 2.21% → $50k - $100k
2.11%^*	$100k^*	-	18 Month Certificate
OTHER TIERS: 1.91% → $500 - $2.5k \| 1.96% → $2.5k - $10k \| 2.01% → $10k - $50k \| 2.06% → $50k - $100k
2.01%^*	$100k^*	-	12 Month Certificate
OTHER TIERS: 1.81% → $500 - $2.5k \| 1.86% → $2.5k - $10k \| 1.91% → $10k - $50k \| 1.96% → $50k - $100k
1.90%^*	$100k^*	-	6 Month Certificate
OTHER TIERS: 1.70% → $500 - $2.5k \| 1.75% → $2.5k - $10k \| 1.80% → $10k - $50k \| 1.85% → $50k - $100k
1.80%^*	$100k^*	-	3 Month Certificate
OTHER TIERS: 1.60% → $1k - $2.5k \| 1.65% → $2.5k - $10k \| 1.70% → $10k - $50k \| 1.75% → $50k - $100k
1.75%^*	$100k^*	-	7 - 31 Day Certificate
OTHER TIERS: 1.60% → $2.5k - $10k \| 1.65% → $10k - $50k \| 1.70% → $50k - $100k

The Fairfield National Bank IRA Rates

APY	MIN	MAX	ACCOUNT NAME
2.87%^*	$50k^*	-	60 Month IRA
OTHER TIERS: 2.77% → $500 - $10k \| 2.82% → $10k - $50k
2.57%^*	$50k^*	-	30 Month IRA
OTHER TIERS: 2.47% → $500 - $10k \| 2.52% → $10k - $50k
2.26%^*	$50k^*	-	18 Month Variable IRA
OTHER TIERS: 2.16% → $500 - $10k \| 2.21% → $10k - $50k

Locations

The Fairfield National Bank Locations
Grayville Banking Center Branch	119 South Middle Street	Grayville, IL 62844
Bridgeport Branch	201 North Main Street	Bridgeport, IL 62417
Bean Capital Banking Center Branch	204 North Main Street	Wayne City, IL 62895
The Fairfield National Bank	220 East Main Street	Fairfield, IL 62837

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