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FDIC Protection

First Bank and Trust is a locally based, privately owned, community bank.

We offer traditional banking products that carry low, acceptable levels of risk and have stayed well clear of any exposure to the sub-prime mortgage and derivatives markets that have been problematic for many institutions. We pride ourselves on knowing our customers and strive to provide them with the products and services that they need.

Rest assured that First Bank and Trust does not engage in risky lending or questionable financial management practices. We are in a safe and sound financial position; we can confidently say our depositors’ funds are not in any jeopardy. Here are some reasons to keep your confidence with First Bank and Trust:

Notice of Changes in Temporary FDIC Insurance Coverage for Transaction Accounts

All funds in a “noninterest-bearing transaction account” are insured in full by the Federal Deposit Insurance Corporation from December 31, 2010, through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to depositors under the FDIC’s general deposit insurance rules.

The term “noninterest-bearing transaction account” includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest. It also includes Interest on Lawyers Trust Accounts (“IOLTAs”). It does not include other accounts, such as traditional checking or demand deposit accounts that may earn interest, NOW accounts, and money-market deposit accounts.

For more information about temporary FDIC insurance coverage of transaction accounts, visit www.fdic.gov.

The Federal Deposit Insurance Corporation (FDIC) provides insurance on deposits in First Bank and Trust accounts to at least $250,000 per deposit account owner per institution. If you have a Traditional IRA, Roth IRA or SEP-IRA, you are also protected up to $250,000. In fact, no one has ever lost a penny of FDIC-insured deposits held in community banks such as ours.

You can calculate the FDIC deposit insurance coverage on your accounts by visiting the agency’s website at:
http://www.fdic.gov/edie/index.html. For specific questions about your accounts, contact your banking relationship manager or account officer so we can help identify further ways to provide security for your money.

Your money and your business are safe with First Bank and Trust. We are financially strong and are ready to meet your banking needs. Thank you for your continued confidence.