Freedom Bank, 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.

On January 14, 2003, River Valley Bancorp, Inc. purchased State Bank of Seaton located in Seaton, Illinois. River Valley Bancorp, Inc also owns Valley Bank and on August 31, 2005, Valley Bank opened a bank branch in Sterling, Illinois. On February 6, 2006, State Bank of Seaton bought the Sterling bank branch from Valley Bank and changed its name to Freedom Bank. Freedom Bank is headquartered in Sterling, Illinois and continues to expand with locations in Sterling, Seaton, and Rock Falls, Illinois.

Freedom Bank offers Checking Accounts, Reorder Checks, Savings Accounts, Certificates of Deposit, Health Savings. Freedom Bank offers your choice of either a home equity loan or line of credit or a consumer loan. Freedom Bank is the financial services center for all your business banking needs.

Rock falls
1609 1st Avenue
Rock Falls, IL 61071
Ph: (815) 626-5626
Fax: (815) 626-5799

Seaton
301 Maple St., P.O. Box 54
Seaton, IL 61476
Ph: (309) 586-5511
Fax: (309) 586-4024

Sterling
2403 N. Locust Street
Sterling, IL 61081
Ph: (815) 625-1860
Fax: (815) 625-5087