Banks | Bank & Trust Company

Bank & Trust Company


Bank & Trust Company is an FDIC insured institution headquartered at 401 N Madison St, Litchfield, IL 62056.
It was founded in 1902 and has approximately $1 billion in assets. Customers can open an account at one of its 7 branches.

Deposit Rates - December 21, 2024

SAVINGS RATES APY MIN
Savings
0.05% $2,500 Compare
CD RATES APY MIN
6 Mo CD
0.30% $10,000 Compare
6 Mo CD
0.30% $100,000 Compare
12 Mo CD
0.55% $10,000 Compare
12 Mo CD
0.55% $100,000 Compare
18 Mo CD
0.60% $10,000 Compare
18 Mo CD
0.60% $100,000 Compare
24 Mo CD
0.70% $10,000 Compare
24 Mo CD
0.70% $100,000 Compare
30 Mo CD
0.75% $10,000 Compare
30 Mo CD
0.75% $100,000 Compare
36 Mo CD
0.80% $10,000 Compare
36 Mo CD
0.80% $100,000 Compare
48 Mo CD
0.90% $10,000 Compare
48 Mo CD
0.90% $100,000 Compare
60 Mo CD
1.00% $10,000 Compare
60 Mo CD
1.00% $100,000 Compare
MM RATES APY MIN
Money Market
0.10% $2,500 Compare
Money Market
0.10% $10,000 Compare
Money Market
0.15% $25,000 Compare
INT CHECKING RATES APY MIN
Int Ckg
0.05% $2,500

Overview 2024

General Bank Information

FDIC Insured Yes
FDIC Certificate # 1047
Date Established 1902
Assets $ 580.15 million
Loans $ 365.72 million
Deposits $ 498.46 million
Capital $ 52.72 million

Summary Balance Sheet as of March 31, 2024

ASSETS
Cash & Balances due from depository institutions $ 23.61 million
Interest-bearing balances $ 16.75 million
Total securities $ 157.96 million
Federal funds sold and reverse repurchase $ 18.06 million
Net loans and leases $ 365.72 million
Loan loss allowance $ 6.29 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.03 million
Goodwill and other intangibles $ 0.73 million
All other assets $ 6.79 million
     Total Assets $ 527.43 million

LIABILITIES
Total deposits $ 498.46 million
      Interest-bearing deposits $ 412.13 million
      Deposits held in domestic offices $ 498.46 million
      % insured (estimated) 79.57%
Federal funds purchased and repurchase agreements $ 10.96 million
Trading liabilities N.A.
Other borrowed funds $ 9.53 million
Subordinated debt N.A.
All other liabilities $ 0.50 millionn
      Total Liabilities $ 527.43 million
      Shareholders’ Equity $ 52.72 million

Summary Income Statement as of March 31, 2024

INCOME AND EXPENSES
Total Interest Income $ 13.46 million
Total Interest Expense $ 4.92 million
Net interest income $ 8.54 million
Provision for loan and lease losses $ 0.12 million
Total non interest income $ 1.40 million
Total non interest expense $ 6.48 million
Pre-tax Net Operating Income $ 2.46 million

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