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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:

Your Deposits are Insured by the FDIC

First Bank and Trust is participating in the FDIC's Transaction Account Guarantee Program. Under that program, through December 31, 2010, all noninterest-bearing transaction accounts are fully guaranteed by the FDIC for the entire amount in the account. Coverage under the Transaction Account Guarantee Program is in addition to and separate from the coverage available under the FDIC's general deposit insurance rules.

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.

First Bank and Trust is Stable, Secure and Well-Managed

Our bank has solid ratings from various rating agencies regarding safety and soundness, assets, capital and earnings. The management of our bank is experienced; our key management team has a breadth and depth of experience with institutions of all sizes that spans many years. We are a common-sense lender and do not engage in high-risk activities.

We are a Profitable, Well-Capitalized Financial Institution

First Bank and Trust has $900 million in assets. We are highly regulated at both a national and state level and meet or exceed regulatory standards for the liquidity necessary to weather difficult financial times. We are well-capitalized, far exceeding all regulatory standards, and continue to grow in a steady and efficient manner.

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.