The First Trust and Savings Bank of Watseka, Illinois

Overview / Commentary

www.ftsbank.com

815-432-2494

120 East Walnut Street
Watseka, IL 60970-0160

The First Trust and Savings Bank of Watseka, Illinois is headquartered in WATSEKA and is the 149^th largest bank in the state of Illinois. It is also the 2,380^th largest bank in the nation. It was established in 1909 and as of March of 2023, it had grown to 32 employees at 2 locations. The First Trust and Savings Bank of Watseka, Illinois' CD rates are 4X the national average, and it has an A health rating.

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Health

Data as of Q1 2023

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Health Grade Components

Overall
FDIC Certificate #	10831
Year Established	1909
Employees	32
Primary Regulator	FED

Profit Margin
Return on Assets - YTD	1.65%
Return on Equity - YTD	13.07%
Annual Interest Income	$2.9MM

Assets and Liabilities
Assets	Q1 2023vs Q1 2022	$316.7MM$315.2MM
Loans	Q1 2023vs Q1 2022	$127.2MM$122.1MM
Deposits	Q1 2023vs Q1 2022	$274.9MM$274.4MM
Equity Capital	Q1 2023vs Q1 2022	$40.8MM$40.3MM
Loan Loss Allowance	Q1 2023vs Q1 2022	$1.6MM$1.7MM
Unbacked Noncurrent Loans	Q1 2023vs Q1 2022	$65.00K$72.00K
Real Estate Owned	Q1 2023vs Q1 2022	$0$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 Trust and Savings Bank of Watseka, Illinois Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.25%^*	$25k^*	-	Health Savings Account
OTHER TIERS: 0.10% → Up to $2.5k \| 0.15% → $2.5k - $25k
0.25%^*	$25k^*	-	Business Health Savings Account
OTHER TIERS: 0.10% → Up to $2.5k \| 0.15% → $2.5k - $25k
0.15%	-	-	First Statement Savings
0.15%	-	-	First Kids Club
0.15%	-	-	Business First Statement Savings

The First Trust and Savings Bank of Watseka, Illinois Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
1.50%^*	$1m^*	-	Community Money Market Account
OTHER TIERS: 0.25% → Up to $100k \| 0.50% → $100k - $500k \| 1.25% → $500k - $1m
1.00%^*	$200k^*	-	First Money Market Account
OTHER TIERS: 0.40% → $2.5k - $15k \| 0.45% → $15k - $50k \| 0.50% → $50k - $100k \| 0.75% → $100k - $200k
1.00%^*	$200k^*	-	Business Money Market Account
OTHER TIERS: 0.40% → $2.5k - $15k \| 0.45% → $15k - $50k \| 0.50% → $50k - $100k \| 0.75% → $100k - $200k

The First Trust and Savings Bank of Watseka, Illinois Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
1.50%^*	$1m^*	-	Community Plus Checking
OTHER TIERS: 0.25% → Up to $100k \| 0.50% → $100k - $500k \| 1.25% → $500k - $1m
1.00%^*	$200k^*	-	First Investor Choice Checking
OTHER TIERS: 0.25% → $15k - $50k \| 0.45% → $50k - $100k \| 0.75% → $100k - $200k
0.50%^*	$50k^*	-	Business Plus Checking
OTHER TIERS: 0.10% → Up to $15k \| 0.25% → $15k - $50k
0.15%^*	$2.5k^*	-	First Relationship Checking
OTHER TIERS: 0.05% → Up to $500 \| 0.10% → $500 - $2.5k

The First Trust and Savings Bank of Watseka, Illinois CD Rates

APY	MIN	MAX	ACCOUNT NAME
4.25%	$1k	-	6 Month CD
4.25%	$1k	-	Business 6 Month CD
4.00%	$1k	-	12 Month CD
4.00%	$1k	-	Business 12 Month CD
3.75%	$1k	-	24 Month CD
3.75%	$1k	-	Business 24 Month CD
3.50%	$1k	-	18 Month CD
3.50%	$1k	-	Business 18 Month CD
1.00%	$1k	-	3 Month CD
1.00%	$1k	-	30 Month CD
1.00%	$1k	-	36 Month CD
1.00%	$1k	-	48 Month CD
1.00%	$1k	-	60 Month CD
1.00%	$1k	-	Business 3 Month CD
1.00%	$1k	-	Business 30 Month CD
1.00%	$1k	-	Business 36 Month CD
1.00%	$1k	-	Business 48 Month CD
1.00%	$1k	-	Business 60 Month CD

The First Trust and Savings Bank of Watseka, Illinois IRA Rates

APY	MIN	MAX	ACCOUNT NAME
3.75%	$100	-	2 Year IRA
3.50%	$100	-	1 Year Fixed IRA
3.25%	$100	-	1 Year Variable IRA
1.00%	$100	-	2.5 Year IRA
1.00%	$100	-	3 Year IRA
1.00%	$100	-	4 Year IRA
1.00%	$100	-	5 Year IRA

Locations

The First Trust and Savings Bank of Watseka, Illinois Locations
The First Trust and Savings Bank Of Watseka, Illin	120 East Walnut Street	Watseka, IL 60970
Clifton Branch	145 East Fifth Avenue	Clifton, IL 60927

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