Bank & Trust Company, Financial Information

Terms and Definitions

• Domestic deposits

  The sum of all domestic deposits, including demand deposits, money market deposits and time deposits.
• Equity capital

  Total equity capital (includes preferred and common stock, surplus and undivided profits).
• ROA

  Return on assets, net income after taxes and extraordinary items (annualized) as a percent of average total assets.
• ROE

  Return on equity, annualized net income as a percent of average equity on a consolidated basis.

Bank & Trust Company is not a banking giant by today’s standards. Rather, it is a unique community bank based in Litchfield, IL, with seven branches serving primarily rural markets in several counties in south central Illinois including Montgomery, Macoupin, Christian, and Sangamon.

Bank & Trust Company offers most of the services offered by regional banks, but are still small enough that customers are known by name, not by a number. Bank & Trust Company offers extensive trust and wealth management services to clients, which is uncommon for most community banks. The bank has been around since 1902 and the philosophy of the management has remained the same – to deliver products and services which meet the needs and wants of customers on a timely, competitive priced basis.

Main Bank
401 N. Madison
Litchfield, IL 62056
Phone: (217) 324-3935

Money Centre
1201 W. Union
Litchfield, IL 62056
Phone: (217) 324-3951

Carlinville
900 W. Main
Carlinville, IL 62626
Phone: (217) 854-3554
Fax: (217) 854-3244

Chatham
10 Plummer Blvd.
Chatham, IL 62629
Phone: (217) 483-3343
Fax: (217) 483-6325

Farmersville
208 S. Cleveland
Farmersville, IL 62533
Phone: (217) 227-3291
Fax: (217) 227-3685

Raymond
404 S. O’Bannon
Raymond, IL 62560
Phone: (217) 229-309
Fax:(217) 229-3336

Rochester
196 S. Walnut
Rochester, IL 62563
Phone: (217) 498-9009
Fax: (217) 498-9901