West Central Bank

Overview / Commentary

www.westcentralbank.com

217-476-3325

400 E Buchanan
Ashland, IL 62612

West Central Bank is headquartered in Ashland and is the 203^rd largest bank in the state of Illinois. It is also the 2,993^rd largest bank in the nation. It was established in 1933 and as of December of 2019, it had grown to 50 employees at 6 locations. West Central Bank has a B+ health rating.

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Health

B+

Data as of Q4 2019

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Health Grade Components

Overall
FDIC Certificate #	10853
Year Established	1933
Employees	50
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	0.92%
Return on Equity - YTD	8.66%
Annual Interest Income	$8.1MM

Assets and Liabilities
Assets	Q4 2019vs Q4 2018	$187.3MM$187.1MM
Loans	Q4 2019vs Q4 2018	$144.1MM$154.6MM
Deposits	Q4 2019vs Q4 2018	$161.3MM$163.5MM
Equity Capital	Q4 2019vs Q4 2018	$20.3MM$18.9MM
Loan Loss Allowance	Q4 2019vs Q4 2018	$942.00K$1.2MM
Unbacked Noncurrent Loans	Q4 2019vs Q4 2018	$1.4MM$1.6MM
Real Estate Owned	Q4 2019vs Q4 2018	$393.00K$90.00K

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.

West Central Bank Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.90%	$25	-	IRA (Variable)
0.35%^*	$50k^*	-	Health Savings Account
OTHER TIERS: 0.05% → Up to $10k \| 0.10% → $10k - $25k \| 0.20% → $25k - $50k
0.15%	$100	-	Savings Account
0.15%	-	-	Christmas Club
0.15%	-	-	Vacation Club

West Central Bank Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
0.35%^*	$50k^*	-	Platinum Money Market
OTHER TIERS: 0.20% → $10k - $25k \| 0.25% → $25k - $50k
0.15%	$2.5k	-	Money Market Account

West Central Bank Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.10%	$1.5k	-	Now Account

West Central Bank CD Rates

APY	MIN	MAX	ACCOUNT NAME
0.85%	$1k	-	60 Month CD (5 year)
0.80%	$1k	-	48 Month CD (4 year)
0.70%	$1k	-	36 Month CD (3 year)
0.65%	$1k	-	30 Month Flex CD
0.55%	$1k	-	24 Month CD (2 year)
0.50%	$1k	-	15 Month Flex CD
0.50%	$100	-	15 Month Smart Start CD
0.40%	$1k	-	12 Month CD
0.30%	$1k	-	182 Day CD (6 months)
0.20%	$1k	-	15-90 Day CD
0.20%	$1k	-	91 Day CD (3 months)

West Central Bank IRA Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.80%	$25	-	IRA - 48 Month (Fixed)
0.55%	$25	-	IRA - 24 Month (Fixed)

Locations

West Central Bank Locations
Beardstown Branch	122 South State Street	Beardstown, IL 62618
West Central Bank	400 E Buchanan St	Ashland, IL 62612
Springfield Branch	3600 Wabash Avenue	Springfield, IL 62711
Rushville Branch	U.S. Routes 24 and 67	Rushville, IL 62681
Beardstown Il Facility	1 Plaza Drive	Beardstown, IL 62618
Fremont Street Branch	Sylvan and Fremont Streets	Ashland, IL 62612

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