The Gifford State 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.

The Gifford State Bank has been serving Gifford and the local communities since 1885. The bank opened its second location on August 1, 2005 in St. Joseph and the third location on October 13, 2009 in Thomasboro. The Gifford State Bank is committed to the idea that a community bank has the responsibility to be the business leader of the communities it serves.

Farm Production Loans Operating Loans and Lines of Credit are available for seasonal or cyclical production purposes. Funds are advanced for the payment of operating expenses during the course of the growing season. The loan is paid from the sale proceeds of the commodity produced. For your convenience, the funds can be deposited directly into your checking account. The Gifford State Bank offers long-term financing for purchases of farmland, building structures, and homes on your property.

Gifford Facility
304 S. Main Street
P.O. Box 400
Gifford, IL 61847
Tel: (217)568-7311
Fax: (217) 568-7607

St. Joseph Facility
107 W. Warren
P.O. Box 140
St. Joseph, IL 61873
Tel: (217) 469-8900
Fax: (217) 469-8800

Thomasboro Facility
101 Main Street
P.O. Box 477
Thomasboro, IL 61878
Tel: (217) 643-2200
Fax: (217) 643-2201