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 151^st largest bank in the state of Illinois. It is also the 2,422^nd largest bank in the nation. It was established in 1909 and as of March of 2022, it had grown to 33 employees at 2 locations. The First Trust and Savings Bank of Watseka, Illinois has an A+ health rating.

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Health

A+

Data as of Q1 2022

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Health Grade Components

Overall
FDIC Certificate #	10831
Year Established	1909
Employees	33
Primary Regulator	FED

Profit Margin
Return on Assets - YTD	0.81%
Return on Equity - YTD	5.97%
Annual Interest Income	$1.5MM

Assets and Liabilities
Assets	Q1 2022vs Q1 2021	$315.2MM$290.1MM
Loans	Q1 2022vs Q1 2021	$122.1MM$114.0MM
Deposits	Q1 2022vs Q1 2021	$274.4MM$246.6MM
Equity Capital	Q1 2022vs Q1 2021	$40.3MM$42.3MM
Loan Loss Allowance	Q1 2022vs Q1 2021	$1.7MM$1.6MM
Unbacked Noncurrent Loans	Q1 2022vs Q1 2021	$72.00K$80.00K
Real Estate Owned	Q1 2022vs Q1 2021	$0$0

Rates

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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 Trust and Savings Bank of Watseka, Illinois Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.10%	-	-	First Statement Savings
0.10%	-	-	First Kids Club
0.10%^*	$25k^*	-	Health Savings Account
OTHER TIERS: 0.05% → Up to $25k
0.10%	-	-	Business First Statement Savings
0.10%^*	$25k^*	-	Business Health Savings Account
OTHER TIERS: 0.05% → Up to $25k

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

APY	MIN	MAX	ACCOUNT NAME
0.35%^*	$1m^*	-	Community Money Market Account
OTHER TIERS: 0.10% → Up to $100k \| 0.20% → $100k - $500k \| 0.30% → $500k - $1m
0.25%^*	$200k^*	-	First Money Market Account
OTHER TIERS: 0.05% → $2.5k - $15k \| 0.10% → $15k - $50k \| 0.15% → $50k - $100k \| 0.20% → $100k - $200k
0.25%^*	$200k^*	-	Business Money Market Account
OTHER TIERS: 0.05% → $2.5k - $15k \| 0.10% → $15k - $50k \| 0.15% → $50k - $100k \| 0.20% → $100k - $200k

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

APY	MIN	MAX	ACCOUNT NAME
0.30%^*	$1m^*	-	Community Plus Checking
OTHER TIERS: 0.10% → Up to $100k \| 0.20% → $100k - $500k \| 0.25% → $500k - $1m
0.20%^*	$200k^*	-	First Investor Choice Checking
OTHER TIERS: 0.05% → $15k - $50k \| 0.10% → $50k - $100k \| 0.15% → $100k - $200k
0.15%^*	$50k^*	-	Business Plus Checking
OTHER TIERS: 0.05% → Up to $15k \| 0.10% → $15k - $50k
0.10%^*	$2.5k^*	-	First Relationship Checking
OTHER TIERS: 0.05% → Up to $2.5k

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

APY	MIN	MAX	ACCOUNT NAME
0.90%	$1k	-	60 Month CD
0.90%	$1k	-	Business 60 Month CD
0.80%	$1k	-	48 Month CD
0.80%	$1k	-	Business 48 Month CD
0.70%	$1k	-	36 Month CD
0.70%	$1k	-	Business 36 Month CD
0.65%	$1k	-	30 Month CD
0.65%	$1k	-	Business 30 Month CD
0.60%	$1k	-	24 Month CD
0.60%	$1k	-	Business 24 Month CD
0.55%	$1k	-	18 Month CD
0.55%	$1k	-	Business 18 Month CD
0.50%	$1k	-	12 Month CD
0.50%	$1k	-	Business 12 Month CD
0.40%	$1k	-	6 Month CD
0.40%	$1k	-	Business 6 Month CD
0.30%	$1k	-	3 Month CD
0.30%	$1k	-	Business 3 Month CD

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

APY	MIN	MAX	ACCOUNT NAME
0.90%	$100	-	5 Year IRA
0.80%	$100	-	4 Year IRA
0.70%	$100	-	3 Year IRA
0.65%	$100	-	2.5 Year IRA
0.60%	$100	-	2 Year IRA
0.50%	$100	-	1 Year Variable IRA
0.50%	$100	-	1 Year Fixed 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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