The First National Bank of Raymond

Overview / Commentary

www.fnbraymond.com

217-229-3701

403 East Broad Street
Raymond, IL 62560

The First National Bank of Raymond is headquartered in Raymond and is the 227^th largest bank in the state of Illinois. It is also the 3,347^th largest bank in the nation. It was established in 1903 and as of December of 2019, it had grown to 37 employees at 5 locations. The First National Bank of Raymond has an A health rating.

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Health

Data as of Q4 2019

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Health Grade Components

Overall
FDIC Certificate #	3830
Year Established	1903
Employees	37
Primary Regulator	OCC

Profit Margin
Return on Assets - YTD	0.44%
Return on Equity - YTD	4.03%
Annual Interest Income	$5.6MM

Assets and Liabilities
Assets	Q4 2019vs Q4 2018	$149.4MM$145.6MM
Loans	Q4 2019vs Q4 2018	$83.3MM$87.5MM
Deposits	Q4 2019vs Q4 2018	$132.2MM$130.3MM
Equity Capital	Q4 2019vs Q4 2018	$17.0MM$15.1MM
Loan Loss Allowance	Q4 2019vs Q4 2018	$692.00K$645.00K
Unbacked Noncurrent Loans	Q4 2019vs Q4 2018	$681.00K$783.00K
Real Estate Owned	Q4 2019vs Q4 2018	$169.00K$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 First National Bank of Raymond Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.10%	$50	-	Statement Savings
0.10%	$2	-	Christmas Club

The First National Bank of Raymond Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.20%^*	$200k^*	-	Money Market Deposit Account
OTHER TIERS: 0.10% → Up to $100k \| 0.15% → $100k - $200k

The First National Bank of Raymond Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.20%^*	$200k^*	-	NOW Checking
OTHER TIERS: 0.10% → Up to $100k \| 0.15% → $100k - $200k

The First National Bank of Raymond CD Rates

APY	MIN	MAX	ACCOUNT NAME
1.31%	$1k	-	60 Month CD
1.31%	$25	-	59 Month "Sprout" CD for Children
1.26%	$1k	-	48 Month CD
0.90%	$1k	-	36 Month CD
0.90%	$25	-	35 Month "Sprout" CD for Children
0.80%	$1k	-	30 Month CD
0.75%	$1k	-	24 Month CD
0.70%	$1k	-	18 Month CD
0.60%	$1k	-	12 Month CD
0.35%	$25	-	11 Month "Sprout" CD for Children
0.30%	$2.5k	-	6 Month CD
0.20%	$2.5k	-	3 Month CD

The First National Bank of Raymond IRA Rates

APY	MIN	MAX	ACCOUNT NAME
0.90%	$100	-	36 Month Fixed IRA
0.75%	$100	-	24 Month Fixed IRA
0.75%	$100	-	18 Month Roth IRA
0.75%	$100	-	18 Month CESA
0.70%	$100	-	18 Month Fixed IRA

Locations

The First National Bank of Raymond Locations
Virden Branch	103 South Springfield Street	Virden, IL 62690
Morrisonville Branch	401 Sarpy St	Morrisonville, IL 62546
The First National Bank Of Raymond	403 East Broad Street	Raymond, IL 62560
Pawnee Branch	623 Seventh Street	Pawnee, IL 62558
North Route Branch	625 North Third St	Girard, IL 62640

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