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First International Bank & Trust

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Deposit Rates - May 21, 2022

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
0.40% $10,000 Compare
12 Mo CD
0.40% $100,000 Compare
Special: 13 Mo CD
0.75% $2,500 Compare
18 Mo CD
0.45% $10,000 Compare
18 Mo CD
0.45% $100,000 Compare
Special: 23 Mo CD
1.00% $2,500 Compare
24 Mo CD
0.55% $10,000 Compare
24 Mo CD
0.55% $100,000 Compare
30 Mo CD
0.60% $10,000 Compare
30 Mo CD
0.60% $100,000 Compare
36 Mo CD
0.65% $10,000 Compare
36 Mo CD
0.65% $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
0.05% $2,500 Compare
Money Market
0.05% $10,000 Compare
Money Market
0.10% $25,000 Compare
INT CHECKING RATES APY MIN
Int Ckg
0.75% $2,500

Overview 2022

General Bank Information

FDIC Insured Yes
FDIC Certificate # 10248
Date Established 1910
Assets $ 4.71 billion
Loans $ 3.33 billion
Deposits $ 4.17 billion
Capital $ 377.44 million

Summary Balance Sheet

ASSETS
Cash & Balances due from depository institutions $ 383.76 million
Interest-bearing balances $ 331.93 million
Total securities $ 761.04 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 3.33 billion
Loan loss allowance $ 32.39 million
Trading account assets $ 0.18 million
Bank premises and fixed assets N.A.
Other real estate owned $ 3.41 million
Goodwill and other intangibles $ 22.20 million
All other assets $ 69.58 million
     Total Assets $ 4.33 billion

LIABILITIES
Total deposits $ 4.17 billion
      Interest-bearing deposits $ 3.03 billion
      Deposits held in domestic offices $ 4.17 billion
      % insured (estimated) 84.42%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities $ 0.18 million
Other borrowed funds $ 140.00 million
Subordinated debt N.A.
All other liabilities $ 20.77 millionn
      Total Liabilities $ 4.33 billion
      Shareholders’ Equity $ 377.44 million

Summary Income Statement

INCOME AND EXPENSES
Total Interest Income $ 172.85 million
Total Interest Expense $ 12.71 million
Net interest income $ 160.14 million
Provision for loan and lease losses $ 9.10 million
Total non interest income $ 59.26 million
Total non interest expense $ 146.45 million
Pre-tax Net Operating Income $ 63.85 million

First International Bank & Trust is an FDIC insured institution headquartered at 100 North Main Street, Watford City, ND 58854.
It was founded in 1910 and has approximately $5 billion in assets. Customers can open an account at one of its 27 branches.

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Savings Comparison

This analysis is for demonstrative purposes only. Savings rates may go up or down, and CD rates may not be renewable for the length of the term of the analysis.

PRODUCT
BANK
BANK TYPE
STATE
AMOUNT
TERM
APY
VS.NATL'L AV.
MIN
MILES

Tax Rate: 30%

All calculations are for demonstration purposes only.

  • 1
    LOCAL CD
    First International Bank & Trust
    Bank
    NORTH DAKOTA
    $50,000
    6 Month
    0.30%
    1.12x (National Avg. - 0.27%)
    $10,000
    -
    SCENARIO
    Year Rate
    0.30%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 150 105
    2 50,150 150 105
    3 50,300 151 106
    4 50,451 151 106
    5 50,603 152 106
    6 50,755 152 107
    7 50,907 153 107
    8 51,059 153 107
    9 51,213 154 108
    10 51,366 154 108
    11 51,520 155 108
    12 51,675 155 109
    13 51,830 155 109
    14 51,985 156 109
    15 52,141 156 109
    16 52,298 157 110
    17 52,455 157 110
    18 52,612 158 110
    19 52,770 158 111
    20 52,928 159 111
    TOTAL $3,087 $2,161
  • 2
    ONLINE CD
    Citizens Access , ★ TOP PICK ★
    Online Bank
    -
    $50,000
    12 Month
    1.30%
    3.23x (National Avg. - 0.40%)
    $5,000
    -
    SCENARIO
    Year Rate
    1.30%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 650 455
    2 50,650 658 461
    3 51,308 667 467
    4 51,975 676 473
    5 52,651 684 479
    6 53,336 693 485
    7 54,029 702 492
    8 54,731 712 498
    9 55,443 721 505
    10 56,164 730 511
    11 56,894 740 518
    12 57,633 749 524
    13 58,383 759 531
    14 59,142 769 538
    15 59,910 779 545
    16 60,689 789 552
    17 61,478 799 559
    18 62,277 810 567
    19 63,087 820 574
    20 63,907 831 582
    TOTAL $14,738 $10,317


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