Banks | Wheaton Bank & Trust, National Association

Wheaton Bank & Trust, National Association

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Wheaton Bank & Trust, National Association Locations

Deposit Rates - April 20, 2021

SAVINGS RATES APY MIN MAX
Savings
0.02% $2,500 $4,999 Compare
CD RATES APY MIN MAX
6 Mo CD
0.04% $10,000 $14,999 Compare
6 Mo CD
0.04% $100,000 $199,999 Compare
Special: 11 Mo CD
0.55% $1,000 - Compare
12 Mo CD
0.08% $10,000 $14,999 Compare
12 Mo CD
0.08% $100,000 $199,999 Compare
Special: 17 Mo CD
0.95% $1,000 - Compare
18 Mo CD
0.15% $10,000 $14,999 Compare
18 Mo CD
0.15% $100,000 $199,999 Compare
24 Mo CD
0.20% $10,000 $14,999 Compare
24 Mo CD
0.20% $100,000 $199,999 Compare
36 Mo CD
0.25% $10,000 $14,999 Compare
36 Mo CD
0.25% $100,000 $199,999 Compare
48 Mo CD
0.35% $10,000 $14,999 Compare
48 Mo CD
0.35% $100,000 $199,999 Compare
60 Mo CD
0.45% $10,000 $14,999 Compare
60 Mo CD
0.45% $100,000 $199,999 Compare
MM RATES APY MIN MAX
Money Market
0.02% $2,500 $2,999 Compare
Money Market
0.03% $10,000 $14,999 Compare
Money Market
0.03% $25,000 $29,999 Compare
FIXED IRA RATES APY MIN MAX
Special: 11 Mo FIRA
0.55% $1,000 -
Special: 17 Mo FIRA
0.95% $1,000 -
INT CHECKING RATES APY MIN MAX
Int Ckg
0.01% $2,500 $3,499

Overview 2021

General Bank Information

FDIC Insured Yes
FDIC Certificate # 33803
Date Established 1993
Assets $ 2.60 billion
Loans $ 1,817.91 million
Deposits $ 2.19 billion
Capital $ 254.23 million

Summary Balance Sheet

ASSETS
Cash & Balances due from depository institutions $ 194.99 million
Interest-bearing balances $ 180.74 million
Total securities $ 413.06 million
Federal funds sold and reverse repurchase $ 0.00 million
Net loans and leases $ 1,817.91 million
Loan loss allowance $ 16.94 million
Trading account assets $ 14.37 million
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles $ 54.41 million
All other assets $ 75.09 million
     Total Assets $ 2.34 billion

LIABILITIES
Total deposits $ 2.19 billion
      Interest-bearing deposits $ 1,346.91 million
      Deposits held in domestic offices $ 2.19 billion
      % insured (estimated) 50.56%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities $ 14.35 million
Other borrowed funds $ 124.00 million
Subordinated debt N.A.
All other liabilities $ 18.92 millionn
      Total Liabilities $ 2.34 billion
      Shareholders’ Equity $ 254.23 million

Summary Income Statement

INCOME AND EXPENSES
Total Interest Income $ 69.80 million
Total Interest Expense $ 12.05 million
Net interest income $ 57.75 million
Provision for loan and lease losses $ 9.66 million
Total non interest income $ 9.95 million
Total non interest expense $ 33.62 million
Pre-tax Net Operating Income $ 24.44 million

Wheaton Bank & Trust, National Association is an FDIC insured institution headquartered at 100 N Wheaton Avenue, Wheaton, IL 60187.
It was founded in 1993 and has approximately $3 billion in assets. Customers can open an account at one of its 8 branches.

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 SAVINGS
    Wheaton Bank & Trust, National Association
    Bank
    ILLINOIS
    $50,000
    N.A.
    0.02%
    0.18x (National Avg. - 0.11%)
    $2,500
    -
    SCENARIO
    Year Rate
    0.02%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 10 7
    2 50,010 10 7
    3 50,020 10 7
    4 50,030 10 7
    5 50,040 10 7
    6 50,050 10 7
    7 50,060 10 7
    8 50,070 10 7
    9 50,080 10 7
    10 50,090 10 7
    11 50,100 10 7
    12 50,110 10 7
    13 50,120 10 7
    14 50,130 10 7
    15 50,140 10 7
    16 50,150 10 7
    17 50,160 10 7
    18 50,170 10 7
    19 50,180 10 7
    20 50,190 10 7
    TOTAL $200 $140
  • 2
    ONLINE SAVINGS
    Citi Accelerate , ★ TOP PICK ★
    Online Bank
    -
    $50,000
    N.A.
    0.50%
    4.39x (National Avg. - 0.11%)
    $0
    -
    SCENARIO
    Year Rate
    0.50%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 250 175
    2 50,250 251 176
    3 50,501 253 177
    4 50,754 254 178
    5 51,008 255 179
    6 51,263 256 179
    7 51,519 258 180
    8 51,776 259 181
    9 52,035 260 182
    10 52,296 261 183
    11 52,557 263 184
    12 52,820 264 185
    13 53,084 265 186
    14 53,349 267 187
    15 53,616 268 188
    16 53,884 269 189
    17 54,154 271 190
    18 54,424 272 190
    19 54,696 273 191
    20 54,970 275 192
    TOTAL $5,245 $3,671


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