The First National Bank of Sparta

Overview / Commentary

www.fnbsparta.com

618-443-2187

Broadway And Market Streets
Sparta, IL 62286

The First National Bank of Sparta is headquartered in Sparta and is the 310^th largest bank in the state of Illinois. It is also the 4,252^nd largest bank in the nation. It was established in 1885 and as of March of 2020, it had grown to 21 employees at 1 location. The First National Bank of Sparta has an A health rating.

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Health

Data as of Q1 2020

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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on equity can represent an instability risk beyond what their financial ratios indicate. The First National Bank of Sparta has a relatively low asset base.

Health Grade Components

Overall
FDIC Certificate #	3837
Year Established	1885
Employees	21
Primary Regulator	OCC

Profit Margin
Return on Assets - YTD	2.02%
Return on Equity - YTD	15.15%
Annual Interest Income	$896.00K

Assets and Liabilities
Assets	Q1 2020vs Q1 2019	$81.2MM$80.0MM
Loans	Q1 2020vs Q1 2019	$39.6MM$38.9MM
Deposits	Q1 2020vs Q1 2019	$66.0MM$65.4MM
Equity Capital	Q1 2020vs Q1 2019	$11.0MM$10.4MM
Loan Loss Allowance	Q1 2020vs Q1 2019	$537.00K$545.00K
Unbacked Noncurrent Loans	Q1 2020vs Q1 2019	$230.00K$132.00K
Real Estate Owned	Q1 2020vs Q1 2019	$0$29.00K

Rates

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Savings
Money Market
Checking
CD

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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 Sparta Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.55%	-	-	College Club
0.15%	$100	-	Regular Savings

The First National Bank of Sparta Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.15%^*	$1k^*	-	Money Market
OTHER TIERS: 0.05% → Up to $1k

The First National Bank of Sparta Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.05%^*	$1k^*	-	Super Now
OTHER TIERS: 0.01% → Up to $1k
0.01%	$750	-	Now Account

The First National Bank of Sparta CD Rates

APY	MIN	MAX	ACCOUNT NAME
1.05%	$500	-	60 Month CD
0.95%	$500	-	48 Month CD
0.85%	$500	-	36 Month CD
0.80%	$500	-	30 Month CD
0.75%	$500	-	24 Month CD
0.60%	$500	-	18 Month CD
0.50%	$500	-	12 Month CD
0.20%	$2.5k	-	1 Month CD
0.20%	$2.5k	-	91 Day CD
0.20%	$500	-	182 Day CD

Locations

The First National Bank of Sparta Locations
The First National Bank Of Sparta	Broadway and Market Streets	Sparta, IL 62286

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