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 $0 billion in assets. Customers can open an account at one of its 7 branches.

Deposit Rates - April 23, 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 $ 471.84 million
Loans $ 308.54 million
Deposits $ 402.64 million
Capital $ 42.11 million

Summary Balance Sheet as of June 30, 2023

ASSETS
Cash & Balances due from depository institutions $ 16.57 million
Interest-bearing balances $ 10.05 million
Total securities $ 128.10 million
Federal funds sold and reverse repurchase $ 6.56 million
Net loans and leases $ 308.54 million
Loan loss allowance $ 5.67 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles $ 0.71 million
All other assets $ 6.79 million
     Total Assets $ 429.74 million

LIABILITIES
Total deposits $ 402.64 million
      Interest-bearing deposits $ 332.70 million
      Deposits held in domestic offices $ 402.64 million
      % insured (estimated) 75.93%
Federal funds purchased and repurchase agreements $ 9.19 million
Trading liabilities N.A.
Other borrowed funds $ 9.53 million
Subordinated debt N.A.
All other liabilities $ 0.50 millionn
      Total Liabilities $ 429.74 million
      Shareholders’ Equity $ 42.11 million

Summary Income Statement as of June 30, 2023

INCOME AND EXPENSES
Total Interest Income $ 18.93 million
Total Interest Expense $ 4.89 million
Net interest income $ 14.05 million
Provision for loan and lease losses $ 0.24 million
Total non interest income $ 2.09 million
Total non interest expense $ 10.06 million
Pre-tax Net Operating Income $ 2.46 million

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