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Welcome to Peoples Bank & Trust. We are a locally owned community bank founded in 1954 at Pana, Illinois with facilities located in Pana, Tower Hill, Taylorville, Altamont, Springfield, Charleston, White Hall, Waverly, Morrisonville, and Palmyra. Peoples Bank & Trust is proud of its past service to these communities, and is looking forward to embracing cutting edge technology and innovations that will allow us to continue to serve our customers in the future.
The staff of Peoples Bank & Trust is pleased to offer you this web site and the products found within to aid in your financial goals and security. If you would like to inquire about any products offered by Peoples Bank & Trust, please feel free to contact us by e-mail at info@bankpbt.com, by telephone at 888-728-1954 or fax 888-638-5845
 
   
Meet the Board of Directors
Larry D. Beaty
Larry D. Beaty
Michael E. Beyers
Michael E. Beyers
David R. Fines
David R. Fines
John Gardner
John Gardner
George Hiler
George Hiler
James D. Randolph
James D. Randolph
Michael M. Trexler
Michael M. Trexler
David Slater
David Slater
David Dorn Jr.
David Dorn Jr.
   
Shareholder Information
Peoples Bank & Trust is owned by the holding company People First Bancshares, Inc.
The holding company is locally owned by shareholders in the communities that Peoples Bank & Trust serve.
Message to the Shareholders
August 8, 2014

Dear Valued Customer,

We are pleased to announce upcoming enhancements to our bank operating systems. These enhancements are designed to keep pace with the constantly changing world of banking, as well as the ability to provide new products such as mobile banking and much more. These changes will make banking with us even better.

When? Why? And, what does this mean to you? These are great questions that I will try to answer for you.

When? The Bank will be installing a new operating system beginning on Friday, August 22, 2014 after the Bank closes for the day. Our staff has been working for several months to ensure that the conversion of data transfers smoothly.

Why? There are several reasons that the Bank decided to make this change.
• Online Capabilities. Online banking is constantly changing and in order to keep pace with the ever changing world, we needed to upgrade our system. These changes will help you save time and money by banking online. In addition, we have taken extra precautions to ensure that your data will remain secure.
• New Products. This processing conversion will set the stage for a world of new product innovation, including a wide array of mobile banking solutions later this fall! By Christmas, we plan to provide you with the ability to bank on your smart phone – complete balance inquiries, transfer funds, deposit checks, receive balance alert messages and even transfer funds from person to person.
• Improved Statements. Making this change will allow us to re-design your checking and savings account statements to make it easier for you to read and understand.
• ATM Services. After August 29, 2014, you will be able to change your PIN (personal identification number) at any time on any of our ATM’s or by calling (800) 992-3808 if you prefer to change your PIN by phone.
• Website We are redesigning our entire website with expanded product information, community links, ability to apply online for internet banking and bill pay. This will provide easier navigation and more information.
• Expanded E-Statement and Online Data Storage. Instead of the three month online access to statements and historic transactions, we will be able to build, retain and store up to seven years of data starting on August 25, 2014.
• Telebanc. We have enhanced the process of obtaining information from our 24 hours, 7 days a week telephone banking system.

What does this mean for you?
• Your account number for checking, savings, loans, etc., will remain the same.
• Your debit card PIN number will remain the same.
• We will send all checking and savings customers a statement as of August 22, 2014. Then you will receive your next statement at your regularly scheduled time.
• Customers accessing the Telebanc system for the first time after August 25, 2014, will need to enter the last four digits of their social security number as their PIN. You will then be prompted to change your PIN to a four digit number you choose.
• ATM access between August 22, 2014 and August 29, 2014 will be limited to cash withdrawals. After August 29, 2014 you will be able to resume your normal ATM activity including inquiries on accounts. Your access to our free ATM Alpha Link Alliance network will remain the same.
• Combined account statements for loans with deposit accounts will be suspended until November statements.

Online banking customers will receive a separate letter explaining the changes that will occur with the upgrade and what they may need to do prior to the conversion date.

If you have questions or concerns about these changes, please contact any of our Consumer Bankers toll free at (888) 728-1954.

We feel confident that you will be pleased with these upgrades. I request that you accept my apology for any inconvenience you may experience during this conversion process. We greatly appreciate the business that you have given us in the past and look forward to helping with your future banking needs.

Sincerely,

John Gardner
President & CEO
__________________________________________________________

August 8, 2014

Dear Valued Customer,

In mid-August, Peoples Bank & Trust will be introducing our new BankPBT Online Banking and Bill Payment Service, which will replace and upgrade our current online banking services. You will notice some changes in the features of the new services and your initial action may be required.

What enhancements will BankPBT Online Banking and Bill Payment Service provide?
• Online Capabilities. Online banking is constantly changing and in order to keep pace with the ever changing world, we needed to upgrade our system. These changes will help you save time and money by banking online. In addition, we have taken extra precautions to ensure that your data will remain secure.
• CheckFree Guarantee. CheckFree Online Bill Pay is the safe and secure way to pay bills without worry – and we guarantee it with our “Risk-Free Guarantee”. Every scheduled payment made will be paid on time or we’ll pay your late fees.
• New Products. This processing conversion will set the stage for a world of new product innovation, including a wide array of mobile banking solutions later this fall! By Christmas, we plan to provide you with the ability to bank on your smart phone – complete balance inquiries, transfer funds, deposit checks, receive balance alert messages and even transfer funds from person to person.
• Expanded E-Statement and Online Data Storage. Instead of the three month online access to statements and historic transactions, you will begin to build, retain and store up to seven years of data beginning August 25, 2014.

Important Dates BankPBT Online Banking Customers Should Know:
Due to the transfer of information and the conversion to the new Online Banking and Bill Payment System:
• Our current online banking system will be limited to Inquiry Only from Friday, August 22, 2014 at 6:00 PM until Monday, August 25, 2014 at 8:00 AM.
• Our current bill payment system will be limited to Inquiry Only from Friday, August 22, 2014 at 12:00 PM (Noon) until Monday, August 25, 2014 at 8:00 AM.
• Internal transfers for August 22, 2014 will process as usual.
• Our new BankPBT Online Banking and Bill Payment Service will be fully operational Monday, August 25, 2014 at 8:00 AM.
?

Important Information All BankPBT Online Banking Customers Should Know:
• Account history prior to August 22, 2014 will not be available online after August 24, 2014. If you would like to retain this information for your records, download and save your account history and statements (if you receive e-statements) to a spreadsheet or text file prior to August 24, 2014.
• The new BankPBT Online ID must be greater than six (6) characters long with no spaces. If your current Online ID is less than 6 characters, you will be required to change it with your first login.
• When signing in after the conversion, your BankPBT Online ID will remain the same but your Online Personal Identification Number (PIN) will be the last four digits of your social security number (or tax payer identification number if a business account). After you log in for the first time, you will be prompted to select a new PIN. New authentication questions will also be presented for set up the first time you sign on to each computer.

Important Information BankPBT Bill Payment Customers Should Know:
• Bill Payments scheduled for payment from Friday, August 22, 2014 at 12:00 PM (Noon) until Monday, August 25, 2014 at 8:00 AM, will be processed as usual, however you will NOT be able to make changes to the Online Bill Payment system from Friday, August 22, 2014 at 12:00 PM (Noon) until Monday, August 25, 2014 at 8:00 AM.
• You will continue to have the same access to pay the payees which have previously been set up. All of your payee and account information will be automatically converted to the new service. Bill Pay transaction history prior to August 25, 2014 will no longer be available for viewing in the new BankPBT Online Bill Pay. Account history will begin building again after August 25, 2014. As an extra precaution, you may choose to print your payee information and Bill Pay transaction history.
• Some payees currently set up for certain payment types (i.e. electronic check) may be converted to payment method, such as paper, and could take longer to process. Please take notice of the type of payment method each payee is set up to accept.

If you have questions or concerns about these changes, please contact any of our Consumer Bankers toll free at (888) 728-1954.

We feel confident that you will be pleased with these upgrades. I request that you accept my apology for any inconvenience you may experience during this conversion process. We greatly appreciate the business that you have given us in the past and look forward to helping with your future banking needs.

Sincerely,

John Gardner
President & CEO

___________________________________________________________

PRESS RELEASE

For Immediate Release:

For Additional Information Contact:
John Gardner, President and CEO
Phone: 866-670-3455

Pana, Illinois: Peoples Bank & Trust, and its holding company, People First Bancshares, Inc. are pleased to announce that David Dorn Jr. has been appointed as a Director.

David is the owner/operator of Dorn Farms, Pana, IL. He is also a crop insurance adjuster with NAU Insurance Company. Dorn is a Director of the Christian County Farm Bureau and is currently serving as President. He is also a member of the Pana Community Hospital Foundation Board, Pana Lions Club, Pana Industrial Development Committee, Congressman Rodney Davis Ag Advisory Board and a Director for the Pana Rural Fire Association. David is an active member of the First United Methodist Church of Pana. David and his wife, Anne, make their home in rural Pana with their two children, Emma and Jacob.

Other members of the bank and holding company board include: Larry D. Beaty, Chairman, Michael M. Trexler, Vice Chairman, Michael E. Beyers, David R. Fines, John Gardner, George Hiler, James D. Randolph and David W. Slater.

Peoples Bank & Trust is an Independent Community Bank with ten offices located in Pana, Taylorville, Charleston, Altamont, Morrisonville, Tower Hill, Waverly, Palmyra, White Hall and Springfield. Peoples Bank is a full service bank offering outstanding customer service to consumers, small business, and farmers in Central Illinois. People First Bancshares, Inc., with corporate offices in Pana, Illinois, is the holding company for Peoples Bank & Trust.

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PRESS RELEASE

For Immediate Release:
For Additional Information Contact:
John Gardner, President and CEO
Phone: (866) 670-3455

PEOPLE FIRST BANCSHARES INC. REPORTS SEVENTH CONSECUTIVE YEAR OF RECORD INCOME

People First Bancshares, Inc. held its annual meeting of shareholders on March 26, 2014 at Peoples Bank & Trust in Pana, IL. During the meeting, Larry D. Beaty, George Hiler and David Slater were reelected to three year terms as directors of the Bank and Holding Company. Other directors of the Bank and Holding company are James D. Randolph, David Fines, Michael E. Beyers, John Gardner and Michael M. Trexler.

During the report of operations, John Gardner, President and CEO, explained that 2013 was a successful year for Peoples Bank & Trust and recognized the Board, Management and Employees for their contributions to bank’s success. Gardner recognized Robert Zueck and Barry Heaton who are both retiring from the Board of Directors after over fifteen years of service. Gardner discussed their contributions to the bank, “Each of them have displayed a passion for the bank’s mission, acted as independent thinkers that work well with groups, and shared their community knowledge and management skills to make the bank successful.”

Gardner reported that the bank generated record earnings, maintained our fundamental strengths and completed our integration of banks recently acquired in a very challenging environment. Gardner explained, “Despite the challenging interest rate environment and the costs of regulatory change, credit quality improved, customer satisfaction levels were maintained, new technology was implemented, and our newer branches are operating consistently with our older branches.”

Gardner also reported that during 2013, net income increased from $5.310 million to $5.475 million. Net income per average share also increased from $16.25 to $16.80, resulting in an increase in book value per share from $74.52 to $77.23.

Gardner concluded, “We look forward to improving efficiencies, adding customers and offering new products in 2014, but we plan to continue to build our employee teams, operate in a safe and sound manner, focus on our customers and deliver strong shareholder returns."

Peoples Bank & Trust is a locally owned and managed, independent community bank with ten offices located in Charleston, Altamont, Tower Hill, Pana, Taylorville, Morrisonville, Springfield, Waverly, Palmyra and White Hall. Peoples Bank & Trust is a full service bank offering outstanding customer service to consumers, small business, and farmers in Central Illinois. People First Bancshares, Inc., with corporate offices in Pana, Illinois, is the holding company for Peoples Bank & Trust.


PRESS RELEASE

For Immediate Release:
For Additional Information Contact:
John Gardner, President and CEO
Phone: (888) PBT-1954

PEOPLES BANK & TRUST RECOGNIZES LONG TERM EMPLOYEES

Pana, IL: Peoples Bank & Trust would like to recognize the following employees for their continuous service to the bank. The bank recognizes its employees for each five year increment of their service with a plaque and an award.
Lori Doolin, AVP, Consumer Banking was recognized for twenty years of combined service to White Hall Bank and Peoples Bank & Trust. Lori joined the White Hall National Bank in November 1993. She is originally from Jacksonville and now lives in Glasgow with her husband, Steve. Lori and Steve have four children – son, Jared Travis, wife Shellie, who live in Teutopolis with her two granddaughters, Audrey and Clara; daughter Mindy Wood, husband Nathan, of Pittsfield, IL; daughter Bethany Doolin, companion Chris White, Glasgow, IL and daughter, Kristen Doolin, at home. Lori has held the position of Clerk/Treasurer for the Village of Glasgow since 1999. She enjoys gardening, especially with daylilies, cross-stitch and being with her family. Lori is a committed, devoted, and dedicated employee of the bank.

Rob Lyman, VP, Business Banking in the Waverly branch was recognized for ten years of combined service to Wemple State Bank and Peoples Bank and Trust. Rob joined Wemple State Bank as a teller in November, 2003. Prior to banking, he farmed in Waverly with Dave and Cathy Rhea. He has served as President of the Waverly East Cemetery Board for over ten years. He is also a member of the Tri County Community Development Board. Rob enjoys auto racing, football and spending time with his girlfriend and her children. Rob has many years of experience in the ag field and is a key employee at our Waverly branch.

Dan Sneed, VP, Business Banking in the Taylorville branch was recognized for ten years of service to Peoples Bank & Trust. Dan joined the bank in April, 2004 and has over 30 years of experience in banking and lending services. Dan lives in Edinburg with his wife, Cheryl. They have one son who lives in Indiana. Dan is active in the community, Kiwanis and with his church. Dan has been Treasurer of the Taylorville Kiwanis for 8 years and was Kiwanian of the Year in 2012. He enjoys gardening, traveling and spending time with his family. Dan plays a vital role in our Business Banking department of Peoples Bank & Trust.

Cristy Simon, Credit Administrator at the Pana Branch was also recognized for ten years of service. Cristy joined the bank in March, 2004 as a part time teller and currently works in the loan processing/credit administration area. She frequently travels to other branches as part of her duties. Cristy lives in Pana with her husband, Larry, who is pastor at Bible Baptist Church. Cristy has two children and one grandchild. Cristy said she likes working at Peoples because it is like a family where we can share our lives and enjoy each other as friends.

Len Hempen, Consumer Banking Officer at the Taylorville branch was recognized for completing five years of service in the bank’s Taylorville branch. Len has 33 years of experience in the banking industry. Len has lived in Taylorville with his wife, Jane, since 1979. They are the proud parents of three married children, Stephanie, Rob and Kyle. They also enjoy three lovely granddaughters, Madelyn, Claire and Emma, with a fourth to arrive in June. Len is an eight year veteran of the U.S. Air Force. He enjoys watching his granddaughters compete in various activities, taking walks with his wife, playing basketball, gardening and working in the yard and following Illini Basketball and St. Louis Cardinal baseball.

Brandon Leeman, a teller in the Charleston branch, was also recognized for completing five years of service. Brandon is a graduate of Paris High School and attended Lake Land College. He lives in Charleston with his girlfriend and two dogs. Brandon likes to spend time with girlfriend, is an amateur geocaching enthusiast and enjoys watching TV and playing video games.

“Customers appreciate having bankers that know them and understand their needs”. “Our bank is fortunate to have long term, dedicated employees like Lori, Rob, Dan, Cristy, Len and Brandon. Their experience is invaluable to the bank’s daily operations.” said John Gardner, Peoples Bank & Trust President and CEO.

Peoples Bank & Trust is a locally owned and managed independent community bank with ten offices located in Pana, Taylorville, Altamont, Tower Hill, Charleston, Springfield, Morrisonville, Palmyra, Waverly and White Hall. Peoples is a full service bank offering outstanding customer service to consumers, small business, and farmers in Central Illinois. People First Bancshares, Inc., with corporate offices in Pana, Illinois, is the holding company for Peoples Bank & Trust.

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PRESS RELEASE

For Immediate Release:
For Additional Information Contact:
John Gardner, President and CEO
Phone: (888) PBT-1954

PEOPLES BANK & TRUST ANNOUCES EMPLOYEE PROMOTIONS

Pana, IL: Peoples Bank & Trust is proud to announce the promotion of two key employees and the relocation of another. Betty Asmussen and Ashley Basso were recently promoted and Sarah Van Huss has relocated to Taylorville.
Betty Asmussen joined the Bank in March, 2011 as a Consumer Banker in our Taylorville branch. She has been recently promoted to Assistant Vice President, Finance. In her roll, Betty will assist our Chief Financial Officer in treasury management, liquidity, management reporting and be a liaison to the internal and external auditors. Betty Asmussen resides in Taylorville along with her fiancée’ Paul Gagne and their four children, Patrick Gagne, Brittany Gagne, Brandon Asmussen and Kayla Asmussen. Betty is a member of St. Mary’s Catholic Church. Presently, she serves as a committee member for the Christian County Leadership Program. She also served on the YMCA Sustaining Drive and Taylorville High School Sports Boosters. Betty has an Associate of Arts degree from Lincoln Land Community College. Currently, she participates in the adult accelerated program at Benedictine University completing her Bachelors of Business Administration in Management and Organizational Behavior. Betty has over 20 years of financial service experience.

Ashley Basso has been promoted to Assistant Vice President, Consumer Banking. Ashley joined the Bank as a part time teller in 2007 and has been promoted to full time teller, Consumer Banker, and most recently, Consumer Banking Officer. In her new role, Ashley will provide leadership to deliver exemplary quality banking services to consumer banking customers in the Pana branch area. Ashley lives in Taylorville with her husband, Andrew. She is a member of the Taylorville Memorial Hospital Auxiliary and serves as a Board member of the United Way of Christian County. Ashley is completing her final year of Graduate School of Banking at the University of Wisconsin-Madison. She is a graduate of Athens High School and the University of Illinois with a degree in Business Administration and History.
Sarah Van Huss joined the Bank in November 2013 as a Consumer Banker in our Pana office. She has recently been transferred to the Taylorville branch. In her role, Sarah will be responsible for providing courteous, individualized and comprehensive banking services to consumer banking customers. Sarah will provide consumer loans, residential mortgages, home equity lines of credit and all types of deposit accounts. Sarah has seven years experience in banking. She is a lifelong resident of Christian County and lives in Mechanicsburg with her husband, Jeremy and three children, Elise, Hagen and Olivia. She is active in Girl Scouts, PTA and a member of the First United Methodist Church in Taylorville.
“With recent bank growth, staffing needs have changed within our organization,” said John Gardner, Peoples Bank & Trust President and CEO “and I’m very pleased Betty, Ashley and Sarah have agreed to assume even greater responsibility in our organization.”

Peoples Bank & Trust is a locally owned and managed independent community bank with ten offices located in Pana, Taylorville, Altamont, Tower Hill, Charleston, Springfield, Morrisonville, Palmyra, Waverly and White Hall. Peoples is a full service bank offering outstanding customer service to consumers, small business, and farmers in Central Illinois. People First Bancshares, Inc., with corporate offices in Pana, Illinois, is the holding company for Peoples Bank & Trust.

-END-



PRESS RELEASE

For Immediate Release: December 4, 2013

For Additional Information Contact:
John Gardner, President and CEO
Phone: (866) 670-3455

Christian County Integrated Community Services awarded Federal Home Loan Bank Grant through Peoples Bank & Trust

Pana – The Federal Home Loan Bank of Chicago (FHLB) recently awarded more than $28 million through its competitive Affordable Housing Program (AHP) to help finance 99 affordable housing projects located primarily in Illinois and Wisconsin. Peoples Bank & Trust will provide $432,000 of AHP subsidy to Christian County Integrated Community Services for the rehabilitation of 72 units of rental housing in Pana, IL known as the Pana Towers.

Each year the FHLB allocates a portion of its earnings to affordable housing programs. “The 2013 AHP awards will assist in the purchase, rehabilitation, and new construction of more than 4,500 affordable housing units through 99 projects,” says Sam Nicita, Community Investment Officer at the Federal Home Loan Bank of Chicago. Christian County Integrated Community Services, a non-profit group, applied for the competitive AHP grants through Peoples Bank & Trust, a FHLB member bank.

Peoples Bank & Trust also participates in the FHLB’s $17 million Downpayment Plus Program, to provide forgivable grants to eligible low and moderate income customers for down payments and closing costs associated with the purchase of a home.

About Peoples Bank & Trust
Peoples Bank & Trust is a locally owned and managed, independent community bank with ten offices located in Charleston, Altamont, Tower Hill, Pana, Taylorville, Morrisonville, Springfield, Waverly, Palmyra and White Hall. Peoples Bank & Trust is a full service bank offering outstanding customer service to consumers, small business, and farmers in Central Illinois. People First Bancshares, Inc., with corporate offices in Pana, Illinois, is the holding company for Peoples Bank & Trust.

About Christian County Integrated Community Services
Christian County Integrated Community Services provides affordable housing in Christian County, IL. The organization manages approximately 500 housing units, including properties in Taylorville, Assumption, Stonington, Edinburg, Tovey, Kincaid and Pana. The organization is known for its ‘Hickory Estates’ senior assisted living facilities in Pana and Taylorville, ‘The Berkshires’ townhouses in Taylorville and new affordable housing subdivisions in Pana and Taylorville. Christian County Integrated Community Services has invested over 37 million dollars in new and remodeled affordable housing since 2002.

About the Federal Home Loan Bank of Chicago
The Federal Home Loan Bank of Chicago is a $61.1 billion wholesale bank serving the needs of member housing finance institutions located in Illinois and Wisconsin. Its mission is to partner with member shareholders to provide them competitively priced funding, a reasonable return on their investment, and support for community investment activities. The U.S. Congress created the Federal Home Loan Bank System, which includes 12 Federal Home Loan Banks, in 1932 to promote housing finance, but each Bank is wholly owned by its member institutions.

___________________________________________________________


September 6, 2013

To the Shareholders of People First Bancshares, Inc.:

The Board of Directors of People First Bancshares, Inc. announces a distribution of $1.45 per share to shareholders of record as of August 29, 2013. Your distribution check is enclosed with this letter. The aggregate distribution this year to date includes:

$0.60 “Annual Distribution” paid January, 2013
$0.89 Distribution for 2012 Income Tax Liability paid January, 2013
$1.12 Distribution for 2013 Income Tax Liability paid March, 2013
$0.56 Distribution for 2013 Income Tax Liability paid June, 2013
$1.45 Distribution for 2013 Income Tax Liability enclosed
$4.62 Total Distributions 2013 Year to Date

We are also pleased with the financial performance of the bank. For complete financial results, please review the attached, management-prepared Consolidated Summary Balance Sheet and Income Statement for People First Bancshares, Inc. and its subsidiary, Peoples Bank and Trust, for the periods ending August 31, 2010, 2011, 2012 and 2013.

The Board of Directors of People First Bancshares, Inc. has authorized the purchase of a limited number of shares at $110.00 per share. If you are interested in purchasing or selling shares of People First Bancshares, Inc. stock and would like your name given to potential sellers or purchasers, or to discuss any questions or concerns pertaining to your investment, please contact John.

We appreciate the confidence you have placed in us through your stock investment as well as your banking relationship. Please contact John or any of the Peoples Bank and Trust staff to discuss any opportunities to expand our banking relationship.

Sincerely,

Larry D. Beaty
Chairman of the Board

John Gardner
President and CEO

People First Bancshares, Inc. & Peoples Bank & Trust


__________________________________________________________

PRESS RELEASE

For Immediate Release:

For Additional Information Contact:

John Gardner, President & CEO
Phone: (866) 670-3455

NAGLE COMPLETES GRADUATE SCHOOL OF BANKING

Pana, Illinois: Jennifer Nagle, Vice-President of Consumer Banking was awarded a diploma on August 23, 2013, at commencement exercises during the 69th annual session of the prestigious Graduate School of Banking at the University of Wisconsin-Madison. As Vice-President of Consumer Banking at Peoples Bank & Trust, Jennifer leads the team of banking professionals providing deposit and lending services to households.

The School, sponsored by state bankers associations from across the central United State, as well as the University of Wisconsin-Madison, was established in 1945 to provide bankers with an opportunity for advanced study and research in banking, economics and leadership. Instruction at the Graduate School of Banking takes place during two-week resident sessions for three consecutive summers, along with comprehensive study between summer resident sessions. The curriculum focuses on the management of strategic issues faced by banking executives and financial services industry professionals. The Graduate School of Banking enrolls approximately 550 US and international professionals each year. Over 85 esteemed academicians, economists, government officials and industry professional comprise the School’s facility.

Three other officers of Peoples Bank & Trust are currently enrolled in Graduate School of Banking at the University of Wisconsin-Madison. Peoples Bank & Trust has twenty-eight officers, including eighteen who have completed national graduate banking schools held in conjunction with various universities across the country and sponsored through the American Bankers Association. Peoples Bank & Trust officers have also completed eleven state banking schools sponsored by the Illinois Bankers Association and Community Bankers Association of Illinois.

Peoples Bank & Trust is a locally owned and managed, independent community bank with ten offices located in Charleston, Altamont, Tower Hill, Pana, Taylorville, Morrisonville, Springfield, Waverly, Palmyra and White Hall. Peoples Bank & Trust is a full service bank offering outstanding customer service to consumers, small business, and farmers in Central Illinois. People First Bancshares, Inc., with corporate offices in Pana, Illinois, is the holding company for Peoples Bank & Trust.

_____________________________________________________________

April 9, 2013


To the Shareholders of People First Bancshares, Inc.:

The Board of Directors of People First Bancshares, Inc. is pleased to announce a distribution of $1.12 per share to shareholders of record as of April 1, 2013. Your distribution check is enclosed with this letter. This distribution represents an amount sufficient for the estimated quarterly payment of applicable state and federal income taxes associated with the S-Corporation’s income.

For complete financial results, please review the attached, management-prepared Consolidated Balance Sheet and Income Statement for People First Bancshares, Inc. and its subsidiary, Peoples Bank and Trust, for the quarter ending March 31, 2013. We are pleased with the continuing improvement in our financial performance and we are excited about the future prospects of the bank.

The Board of Directors of People First Bancshares, Inc. has authorized the purchase of a limited number of shares at $105.00 per share. If you are interested in purchasing or selling shares of People First Bancshares, Inc. stock and would like your name given to potential sellers or purchasers, or to discuss any questions or concerns pertaining to your investment, please contact John.

We appreciate the confidence you have placed in us through your stock investment as well as your banking relationship. Please contact John or any of the Peoples Bank and Trust staff to discuss any opportunities to expand our banking relationship.


Sincerely,



John Gardner
President and CEO

_________________________________________________

PRESS RELEASE

For Immediate Release:
For Additional Information Contact: John Gardner, President and CEO
Phone: (866) 670-3455

PEOPLE FIRST BANCSHARES INC. ANNOUNCES NEW EMPLOYEES, NEW MARKETS AND OUTSTANDING PERFORMANCE

People First Bancshares, Inc. held its annual meeting of shareholders on March 27, 2013 at Peoples Bank & Trust in Pana, IL. During the meeting, James D. Randolph and David R. Fines were reelected to three year terms as directors of the Bank and Holding Company. Other directors of the Bank and Holding company are Larry D. Beaty, George Hiler, David Slater, Michael E. Beyers, John Gardner and Michael M. Trexler. Barry V. Heaton and Robert Zueck were re-appointed to serve as Director Emeritus.

During the report of operations, John Gardner, President and CEO, explained that 2012 was a great year for Peoples Bank & Trust and recognized the Board, Management and Employees for their contributions to bank’s success. Gardner welcomed new officers: Cindy Whittemore, Vice President, Senior Credit Administration Officer, Carol Furnish, Vice President, Credit Administration Manager, Carl Moran, Jr., Community Bank President, Mike Rueter, Vice President, Business Banking, Robert Lyman, Vice President, Business Banking, Larry Boston, Vice President, Business Banking, Jeff Grimmett, Assistant Vice President, Consumer Banking, Lori Doolin , Assistant Vice President, Consumer Banking, and Terry Schafer, Assistant Vice President, Marketing and Human Resources.

Gardner reported that following its acquisition and merger with White Hall Bank & Wemple State Bank in December, Peoples Bank & Trust has expanded into the communities of Morrisonville, Palmyra, Waverly and White Hall. Peoples Bank & Trust now has banking facilities in ten communities representing seven distinct market areas. “We’re excited about the opportunity to join these communities.” Gardner explained, “They are very similar in nature to the communities where we’ve been most successful, and where we’ve been able to make a positive impact for the community.”

Growth and shareholder returns were financial highlights of 2012. Gardner reported that bank assets increased from $297 million to $404 million; deposit volume increased from $245 million to $335 million, the bank’s loan portfolio grew from $197 million to $274 million; and net income increased from $3.8 million to $5.3 million. Earnings per share increased from $11.80 to $16.50, resulting in an increase in book value per share from $64.02 to $74.33.

Gardner concluded, “2012 was a great year for Peoples Bank & Trust. We plan to continue to build our employee teams, operate in a safe and sound manner, focus on our customers and deliver strong shareholder returns."

Peoples Bank & Trust is a locally owned and managed, independent community bank with ten offices located in Charleston, Altamont, Tower Hill, Pana, Taylorville, Morrisonville, Springfield, Waverly, Palmyra and White Hall. Peoples Bank & Trust is a full service bank offering outstanding customer service to consumers, small business, and farmers in Central Illinois. People First Bancshares, Inc., with corporate offices in Pana, Illinois, is the holding company for Peoples Bank & Trust.


_________________________________________________

January 11, 2013

To the Shareholders of People First Bancshares, Inc.:

Happy New Year!

We are pleased to report that People First Bancshares, Inc. and its subsidiary, Peoples Bank & Trust, recently completed a very exciting year. We successfully completed the merger and acquisition of the Wemple State Bank and White Hall Bank – increasing our number of branch locations to ten. In addition to solid bank operations and growth throughout the year, the merger and acquisition provided a boost to our balance sheet at year end. The holding company’s total assets increased from $297 to $400 million; total loans increased from $197 to $277 million; total deposits increased from $245 to $335 million; and net income increased from $3.8 million to approximately $5.3 million. We look forward to reporting complete audited final results to you later.

The Board of Directors of People First Bancshares, Inc. is pleased to announce a distribution of $1.49 per share to shareholders of record as of January 10, 2013. This distribution represents $0.89 reimbursement for potential income tax liability associated with owning each share of stock and $0.60 per share which has historically been considered a dividend. In aggregate with distributions made earlier in 2012 for this purpose, $3.54 has been distributed as reimbursement for potential 2012 income tax liability associated with each share of stock. Your distribution check is included with this letter.

We will provide you and the Internal Revenue Service with a Schedule K-1 by February 18, 2013. The Schedule K-1 reports your share of the Corporation’s 2012 taxable income for use in filing your 2012 federal and state income tax returns. We plan to continue to make periodic distributions to shareholders for payment of their applicable federal and state income taxes on their respective share of the Company income. These distributions will be made based on an estimated marginal income tax rate of 38%. In order to roughly coincide with the due dates for quarterly income tax estimates, these distributions will continue to be made early in the months of April, June, September, and January.

The Board of Directors of People First Bancshares, Inc. has authorized the purchase of a limited number of shares at $102.00 per share. If you are interested in purchasing or selling shares of People First Bancshares, Inc. stock and would like your name given to potential sellers or purchasers, or to discuss any questions or concerns pertaining to your investment, please contact John.

We appreciate the confidence you have placed in us through your stock investment as well as your banking relationship. Please contact John or any of the Peoples Bank and Trust staff to discuss any opportunities to expand our banking relationship.

Sincerely,


Michael M. Trexler
Vice-Chairman of the Board

John Gardner
President and CEO

______________________________________________________________

December 18, 2012

To the Shareholders of People First Bancshares, Inc.:

The Board of Directors of People First Bancshares, Inc. is pleased to announce the completion of our merger of White Hall Bank and Wemple State Bank into Peoples Bank & Trust at 6:00 p.m. on Friday, December 7, 2012. Branches of Peoples Bank & Trust in Morrisonville, Palmyra, Waverly and White Hall, IL opened for business on Saturday, December 8, 2012. The bank now has over $400 million in assets and ten branch locations.

Each of the four new communities has greeted the bank in a positive manner. The former White Hall Bank and Wemple State Bank customers have been patient with us through the conversion. Peoples Bank & Trust has gained an outstanding customer base in very nice communities.

Nearly all of the former White Hall Bank and Wemple State Bank employees were retained. All of the existing and new employees in all departments of our bank have contributed to this achievement together. Many have worked long hours in a professional manner, even under complex and trying circumstances, to make this conversion a success. We’ve been blessed with a terrific staff, and we are very thankful for their efforts.

We look forward to future success with our new employees, customers, and communities. Please contact John if you have any questions related to this announcement.

We appreciate the confidence you have placed in us through your stock investment as well as your banking relationship.

Merry Christmas!

Sincerely,



Larry D. Beaty
Chairman of the Board

John Gardner
President and CEO

_____________________________________________________________


PRESS RELEASE
For Immediate Release:
For Additional Information Contact: John Gardner, President and CEO
Phone: (866) 670-3455

White Hall Bank and Wemple State Bank to Merge with Peoples Bank & Trust
PANA, Ill. John Gardner, CEO of Peoples Bank & Trust and Gary Edwards, Chairman of the Board of Wemple State Bank, headquartered in Waverly, Ill., and White Hall Bank in White Hall, Ill., are pleased to announce an agreement to merge Wemple State Bank and White Hall Bank with Peoples Bank & Trust. The bank resulting from the merger will be Peoples Bank & Trust. The agreement is subject to regulatory approval and is expected to close early this winter. In the coming weeks, Wemple State Bank and White Hall Bank customers will receive additional specific information explaining the transition before the actual transition date.

“I’m excited to bring Peoples Bank & Trust to White Hall, Waverly, Morrisonville and Palmyra. Edwards said, When I initially came to our communities, I was received with open arms. I can only expect the same welcome for Peoples Bank & Trust as they commit to the same strength, stability and community dedication as Wemple State Bank and White Hall Bank.

“This is a new opportunity for us to serve more customers and more communities. We’re eager to get to know our new customers,” said Gardner. “Our motto is, ‘We Put People First’, and we’ll work to do that in White Hall, Waverly, Morrisonville and Palmyra just as we have in each of our other banking communities.

Peoples Bank & Trust, Wemple State Bank and White Hall Bank also announced that all of the existing staff of Wemple State Bank and White Hall Bank will be retained by Peoples Bank & Trust as part of the transaction.

“Aside from the opportunity to be part of new communities, we’re excited about the opportunity to have the outstanding employees of Wemple State Bank and White Hall Bank join our existing team, said Gardner. “We believe the most important relationships in banking are the personal relationships between the customer and the bank employees that serve their financial needs. Respecting that relationship is our first step to provide outstanding customer service.

Peoples Bank & Trust, headquartered in Pana, Ill., has five additional locations in Charleston, Altamont, Tower Hill, Taylorville, and Springfield. With the addition of the White Hall, Waverly, Morrisonville and Palmyra branches, Peoples Bank & Trust will have locations and total assets of approximately $400 million.

As a locally owned, independent community bank since 1954, Peoples has a tremendous history of providing financial solutions for individuals, farmers, commercial businesses and municipal organizations in central Illinois. People First Bancshares, Inc., with corporate offices in Pana is the holding company for Peoples Bank & Trust. For more information about Peoples Bank & Trust, visit www.bankpbt.com.


______________________________________________________________

Dear Wemple State Bank Customer:


We would like to introduce you to Peoples Bank & Trust. Peoples Bank & Trust, White Hall Bank and Wemple State Bank have entered into a merger agreement, which affects accounts you hold at the Wemple State Bank. Each branch of Wemple State Bank will become branches of Peoples Bank & Trust effective at the close of regulatory approval, which we expect early this winter. You will be officially notified when changes occur. At the close of the transaction, your accounts and loans will become accounts and loans with Peoples Bank & Trust.

Peoples Bank & Trust will work to ensure your new accounts have similar account services and fee structures. You can expect more information from Peoples Bank & Trust, including a Welcome Guide, to explain this transition in greater detail. In addition, you will receive an additional update from Peoples Bank & Trust in November regarding the status of this transaction. In the meantime, Wemple State Bank will continue to provide the service you know and expect.

Here is what you can expect as part of this change:

• The current Wemple State Bank staff will become employees of Peoples Bank & Trust and continue to provide you with faces and names you trust, a smile you know, and the professional, courteous service you expect. Peoples Bank & Trust is extremely excited to have the Wemple State Bank staff as part of their team.

• All current branch facilities of Wemple State Bank will remain in operation with Peoples Bank & Trust after the close of this transaction. The branches are not closing. Peoples Bank & Trust is looking forward to serving Wemple State Bank customers in the Christian, Macoupin and Morgan County areas and being a devoted member of the communities.

• Peoples Bank & Trust is stable, financially strong and has many similarities to the mission and philosophy of Wemple State Bank, including serving similar customers and having a commitment to relationship banking.

• Further details about your accounts and the products and services offered by Peoples Bank & Trust will be included in the upcoming Welcome Guide.

We want to assure you of the security and stability of your accounts and your banking relationships going forward. Wemple State Bank has valued your business and is happy to have Peoples Bank & Trust as a partner in this transaction. Peoples Bank & Trust, headquartered in Pana, Ill., has five other locations in Charleston, Altamont, Tower Hill, Taylorville, and Springfield. As a locally owned, community bank since 1954, it has more than $290 million in assets and a tremendous history of providing financial solutions for individuals, farmers, commercial businesses and municipal organizations. We believe you’ll find that Peoples Bank & Trust is true to its motto of, ’We Put People First’.

If you have questions or concerns about this transaction, please contact Samuel C. Leak, Wemple State Bank at (217) 435-2181. You are also welcome to speak with John Gardner at Peoples Bank & Trust by calling, (866) 670-3455. Feel free to learn more about Peoples Bank & Trust by visiting their website, www.bankpbt.com. We believe you will find Peoples Bank & Trust to be a personable and valued financial partner.

Sincerely,

Samuel C. Leak
President & CEO
Wemple State Bank

John Gardner
President & CEO
Peoples Bank & Trust


______________________________________________________________

Dear White Hall Bank Customer:


We would like to introduce you to Peoples Bank & Trust. Peoples Bank & Trust, White Hall Bank and Wemple State Bank have entered into a merger agreement, which affects accounts you hold at the White Hall Bank. White Hall Bank will become a branch of Peoples Bank & Trust effective at the close of regulatory approval, which we expect early this winter. You will be officially notified when changes occur. At the close of the transaction, your accounts and loans will become accounts and loans with Peoples Bank & Trust.

Peoples Bank & Trust will work to ensure your new accounts have similar account services and fee structures. You can expect more information from Peoples Bank & Trust, including a Welcome Guide, to explain this transition in greater detail. In addition, you will receive an additional update from Peoples Bank & Trust in November regarding the status of this transaction. In the meantime, White Hall Bank will continue to provide the service you know and expect.

Here is what you can expect as part of this change:

• The current White Hall Bank staff will become employees of Peoples Bank & Trust and continue to provide you with faces and names you trust, a smile you know, and the professional, courteous service you expect. Peoples Bank & Trust is extremely excited to have the White Hall Bank staff as part of their team.

• The White Hall Bank will remain in operation as a branch of Peoples Bank & Trust after the close of this transaction. The bank is not closing. Peoples Bank & Trust is looking forward to serving White Hall Bank customers in the Greene County area and being a devoted member of the communities.

• Peoples Bank & Trust is stable, financially strong and has many similarities to the mission and philosophy of White Hall Bank, including serving similar customers and having a commitment to relationship banking.

• Further details about your accounts and the products and services offered by Peoples Bank & Trust will be included in the upcoming Welcome Guide.

We want to assure you of the security and stability of your accounts and your banking relationships going forward. White Hall Bank has valued your business and are happy to have Peoples Bank & Trust as a partner in this transaction. Peoples Bank & Trust, headquartered in Pana, Ill., has five other locations in Charleston, Altamont, Tower Hill, Taylorville, and Springfield. As a locally owned, community bank since 1954, it has more than $290 million in assets and a tremendous history of providing financial solutions for individuals, farmers, commercial businesses and municipal organizations. We believe you will find that Peoples Bank & Trust is true to its motto of, ’We Put People First’.

If you have questions or concerns about this transaction, please contact Carl L. Moran, Jr., White Hall Bank at (217) 374-2181. You are also welcome to speak with John Gardner at Peoples Bank & Trust by calling, (866) 670-3455. Feel free to learn more about Peoples Bank & Trust by visiting their website, www.bankpbt.com. We believe you will find Peoples Bank & Trust to be a personable and valued financial partner.

Sincerely,

Carl L. Moran, Jr.
President & CEO
White Hall Bank

John Gardner
President & CEO
Peoples Bank & Trust


______________________________________________________________


September 24, 2012

To the Shareholders of People First Bancshares, Inc.:

The Board of Directors of People First Bancshares, Inc. is pleased to announce an agreement to merge Peoples Bank & Trust with White Hall Bank and Wemple State Bank. The resulting bank would be Peoples Bank & Trust and the transaction would have the effect of acquiring the two banks. The agreement is subject to regulatory approval and is expected to close early this winter.

White Hall Bank and Wemple State Bank are currently owned by Lima Bancshares, Inc. White Hall Bank has an office in White Hall, IL. Wemple State Bank’s main office is currently in Waverly, IL with branch offices in Palmyra, IL and Morrisonville, IL. Peoples Bank & Trust plans to continue to operate all of the branches. The acquisition involves approximately $103 million in customer deposits and approximately $72 million in customer loans.

Aside from an opportunity for profitable bank growth, the proposed transaction will also provide the following benefits:

• Diversification of our bank’s sources of deposit funds;

• Elimination of our bank’s funding dependency from wholesale sources; and

• Reduction in the volatility of our bank’s funding cost and funding availability.

Additionally, we are excited to offer employment to all of the existing White Hall Bank and Wemple State Bank staff. These employees are respected local bankers with strong customer relationships and positions of leadership within their communities. They will be great additions to our team.

Please contact John if you have any questions related to this announcement.

We appreciate the confidence you have placed in us through your stock investment as well as your banking relationship.

Sincerely,



Larry D. Beaty
Chairman of the Board


John Gardner
President and CEO

______________________________________________________________

September 7, 2012

To the Shareholders of People First Bancshares, Inc.:

The Board of Directors of People First Bancshares, Inc. announces a distribution of $0.40 per share to shareholders of record as of August 31, 2012. Your distribution check is enclosed with this letter. The aggregate distribution this year to date includes:

$0.60 Annual Distribution paid 01/12
$1.53 Distribution for 2011 Income Tax Liability paid 01/12
$1.54 Distribution for 2012 Income Tax Liability paid 03/12
$0.71 Distribution for 2012 Income Tax Liability paid 06/12
$0.40 Distribution for 2012 Income Tax Liability enclosed
$4.78 Total Distributions 2012 Year to Date

We are also pleased with the financial performance of the bank. For complete financial results, please review the attached, management-prepared Consolidated Summary Balance Sheet and Income Statement for People First Bancshares, Inc. and its subsidiary, Peoples Bank and Trust, for the periods ending August 31, 2010, 2011 and 2012.

We appreciate the confidence you have placed in us through your stock investment as well as your banking relationship. Please contact John or any of the Peoples Bank and Trust staff to discuss any opportunities to expand our banking relationship.

Sincerely,

Larry D. Beaty
Chairman of the Board

John Gardner
President and CEO
_____________________________________________________________

PRESS RELEASE

For Immediate Release:
For Additional Information Contact:
John Gardner, President and CEO
Phone: (866) 670-3455

PEOPLES BANK & TRUST AWARDED
SMALL BUSINESS LENDING INVESTMENT BY US TREASURY

Pana, IL. People First Bancshares, Inc. has announced that the US Treasury has selected Peoples Bank & Trust for participation in the Small Business Lending Fund ("SBLF"). This will allow the bank to extend more commercial and agricultural loans to small businesses and farms.
People First Bancshares, Inc. has received $9,198,000 from the issue of senior securities to the US Treasury. Senior securities are unsecured, subordinated debentures which do not constitute a class of stock or represent any equity ownership in the holding company or bank.

The SBLF is a voluntary program intended to encourage small business and farm lending by providing additional capital at favorable rates to qualifying community banks. The rate the bank pays on SBLF funding is reduced as the bank increases its lending. This is an incentive for additional bank lending to help small businesses and farms expand and create jobs.
Peoples Bank & Trust has increased its outstanding loans to small businesses and farms by over $45 million in the past two years. "We are proud of the bank’s growth and track record in meeting the financial needs of small businesses and farms – the loans targeted by the SBLF," said John Gardner, President and CEO. “We look forward to utilizing these funds to partner with more small business and farm customers to help improve economic opportunity in the communities we serve.”
The SBLF was enacted into law as part of the Small Business Jobs Act of 2010.

Peoples Bank & Trust is a locally owned and managed, independent community bank with six offices located in Altamont, Charleston, Pana, Taylorville, Tower Hill, and Springfield. Peoples Bank & Trust is a full service bank offering outstanding customer service to consumers, small business, and farmers in Central Illinois. People First Bancshares, Inc., with corporate offices in Pana, Illinois, is the holding company for Peoples Bank & Trust.

______________________________________________________________

June 9, 2011


To the Shareholders of People First Bancshares, Inc.:

The Board of Directors of People First Bancshares, Inc. announces a distribution of $0.50 per share to shareholders of record as of May 31, 2011. Your distribution check is enclosed with this letter. The aggregate distribution this year to date is $2.63 per share. The aggregate distribution this year to date includes this distribution, the two previous distributions for tax purposes, and the annual distribution of $0.60 per share completed in January.

We are also pleased with the financial performance of the bank. For complete financial results, please review the attached, management-prepared Consolidated Summary Balance Sheet and Income Statement for People First Bancshares, Inc. and its subsidiary, Peoples Bank and Trust, for the periods ending May 31, 2009, 2010 and 2011.

The Board of Directors of People First Bancshares, Inc. has authorized the purchase of a limited number of shares at $70.00 per share. If you are interested in purchasing or selling shares of People First Bancshares, Inc. stock and would like your name given to potential sellers or purchasers, or to discuss any questions or concerns pertaining to your investment, please contact John.

We appreciate the confidence you have placed in us through your stock investment as well as your banking relationship. Please contact John or any of the Peoples Bank and Trust staff to discuss any opportunities to expand our banking relationship.

Sincerely,


Larry D. Beaty
Chairman of the Board

John Gardner
President and CEO
 
 
Meet the Staff
A  B  C  D  E  F  G  H  I  J  K  L  M  N  O  P  Q  R  S  T  U  V  W  X  Y  Z 
 
 
A

Jim Adcock
SVP, Senior Loan Officer
Phone: 1.866.933.6997
Cell: 217.820.9323
E-Mail
 
Kathleen Anderson
AVP, Consumer Banking
Phone 1.877.868.5561
E-Mail
 
Betty Asmussen
AVP,Finance
Phone: 1.866.720.8664.
E-Mail
 
 
B

Mary Baird
Teller
E-Mail
 
Ashley Basso
AVP, Consumer Banking
Phone: 1.877.868.5574
E-Mail
 
Theresa Beal
Consumer Banking Officer
Phone: 1.866.933.7005
E-Mail
 
Whitney Bennett
Teller
E-Mail
 
Linda Benson
Teller
E-Mail
 
Pauletta Bishop
Teller
E-Mail
 
Allison Blalock
Teller
E-Mail
 
Jessica Bland
Teller
E-Mail
 
Patty Bond
Administrative Assistant
Phone: 1.866.670.3459
E-Mail
 
Larry Boston
VP, Business Banking
Phone: 1.855.211.0842
Cell: 217.503.0530
E-Mail
 
Kara Bridges
Teller
E-Mail
 
 
C

Brittany Cox
Teller
E-Mail
 
Brenda Cutler
Teller
E-Mail
 
 
D

Marilyn Dague
Credit Administrator
Phone: 1.877.868.5569
E-Mail
 
Theresa Davidson
Credit Administrator
Phone: 1.855.211.0840
E-Mail
 
Kathy Davis
Teller
E-Mail
 
Brenda Deardorff
Consumer Banker
Phone: 1.855.211.0841
E-Mail
 
Craig Deere
CFO
Phone: 1.866.670.3457
Cell: 217.823.2234
E-Mail
 
Lori Doolin
AVP, Consumer Banking
Phone: 1.855.211.0834
Cell: 217.503.0525
E-Mail
 
 
E

Ginny Elliot
Teller
E-Mail
 
Yvonne Endris
Bookkeeping Operations
Phone: 1.866.670.3463
E-Mail
 
Nick Epley
VP Business Banking
Phone: 1.866.670.3451
Cell: 217.565.3076
E-Mail
 
 
F

Melissa Fairless
Consumer Banker
Phone: 1.855.478.8532
E-Mail
 
Robyn Foster
Bookkeeping Operations
Phone: 1.866.720.8661
E-Mail
 
Carol Furnish
VP. Credit Adm. Manager
Phone: 1.877.868.5562
Cell: 217.317.0409
E-Mail
 
 
G

John Gardner
President & Chief Executive Officer
Phone: 1.866.670.3455
Cell: 217.827.2141
E-Mail
 
Carole Gensler
Teller
E-Mail
 
Connie Glick
Teller
E-Mail
 
Jo Anne Grimes
Bookkeeping Operations
Phone: 1.866.720.7797
E-Mail
 
Jeff Grimmett
AVP, Consumer Banking
Phone: 1.855.478.8526
Cell: 217.503.0528
E-Mail
 
 
H

Kristi Hard
Consumer Banking Officer
Phone: 1.866.670.3448
E-Mail
 
Ken Hart
Community Bank President
Phone: 1.866.933.6994
Cell: 217.820.8215
E-Mail
 
George Heintz
Community Bank President
Phone: 1.866.670.3449
Cell: 217.565.1471
E-Mail
 
Stacy Heiserman
Teller
E-Mail
 
Len Hempen
Consumer Banking Officer
Phone:1.888.277.4640
E-Mail
 
Steve Hickerson
VP, Operations
Phone: 1.866.670.3461
Cell: 618.412.1140
E-Mail
 
Ann Hunt
Teller
E-Mail
 
Sherri Hunter
AVP, Operations Officer
Phone: 1.866.670.3437
E-Mail
 
 
J

Joani Jones
Consumer Banking
Phone 1.866.670.3441
E-Mail
 
 
K

Nancy Karnes
Teller
E-Mail
 
Martha Kerns
AVP, Consumer Banking
Phone: 1.866.933.7009
E-Mail
 
Karen Kerr
AVP, Operations
Phone: 1.866.670.3462
E-Mail
 
Kate Kersey
Teller
E-Mail
 
Pat Kime
Teller
E-Mail
 
Wanda Koons
Bookkeeping Operations
Phone: 1.866.720.8653
E-Mail
 
 
L

Brandon Leeman
Teller
E-Mail
 
Amanda Lipe
Teller
E-Mail
 
Laurie Lowery
Telephone Receptionist/Teller
E-Mail
 
Robert Lyman
VP, Business Banking
Phone: 1.855.478.8530
Cell: 217.503.0529
E-Mail
 
Renee Lyons
Teller
E-Mail
 
 
M

Jennifer Mathis
Teller
E-Mail
 
Kelly Matthews
Teller
E-Mail
 
Judy McKinnie
Teller
E-Mail
 
Courtney McNeely
Teller
E-Mail
 
Amber Meyer
Teller
E-Mail
 
Linda Miller
Consumer Banking Officer
Phone: 1.866.670.3440
E-Mail
 
Bonnie Miller
Credit Administrator
Phone: 1.866.720.8659
E-Mail
 
Carl Moran Jr
Community Bank President
Phone: 1.855.211.0836
Cell: 217.503.0526
E-Mail
 
 
N

Jennifer Nagle
VP, Consumer Banking
Phone: 1.866.720.8677
Cell: 217.303.4456
E-Mail
 
 
P

Nancy Page
Teller
E-Mail
 
Bridgett Painter
Credit Administrator
Phone: 1.866.720.8658
E-Mail
 
Susan Palliser
Consumer Banker
Phone: 1.855.478.8527
E-Mail
 
Sandra Piper
Teller
E-Mail
 
Judy Prasun
AVP, Consumer Banking
Phone: 1.866.720.8678
E-Mail
 
Barbara Price
Bookkeeping Operations
Phone: 1.855.211.0838
E-Mail
 
Vicki Pridemore
Teller
E-Mail
 
 
R

Kacie Rankin
Consumer Banking
Phone 1.855.779.6818
E-Mail
 
Emily Rubio
Teller
E-Mail
 
Mike Rueter
VP, Business Banking
Phone: 1.855.211.0837
Cell: 217.503.0527
E-Mail
 
 
S

Terry Schafer
AVP- HR & Marketing
Phone: 1.866.670.3460
E-Mail
 
Carol Schneider
Credit Administrator
Phone: 1.866.933.6998
E-Mail
 
Kathy Schnettgoecke
Consumer Banking Officer
Phone: 1.855.211.0835
E-Mail
 
Amanda Sexson
Teller
E-Mail
 
Melanie Kay Sexton
Teller
E-Mail
 
Cristy Simon
Credit Administrator
Phone: 1.866.720.8662
E-Mail
 
Luanne Sinclair
Teller
E-Mail
 
Jay Sison
Financial Advisor( Branch Manager)
Phone: 1.866.670.3452
 
Dan Sneed
VP Business Banking
Phone: 1.866.933.6993
Cell: 217.825.7524
E-Mail
 
Karen Spencer
Teller
E-Mail
 
Kathy Staats
Teller
E-Mail
 
David Stake
Community Bank President
Phone: 1.866.234.0952
Cell: 217.836.6479
E-Mail
 
 
T

Savanna Taviner
Teller
E-Mail
 
Maygun Terrill
Teller
E-Mail
 
Megan Trelz
Teller
E-Mail
 
 
V

Sarah Van Huss
Consumer Banker
Phone:1.855.847.2321
E-Mail
 
Jodi Vollmer
Consumer Banker
Phone: 1.855.478.8528
E-Mail
 
 
W

Edrie Walton
Credit Administrator
Phone: 1.866.933.7003
E-Mail
 
Matt Webb
VP, Business Banking
Phone: 1.866.670.3439
Cell: 217.317.0880
E-Mail
 
Lorna Weitekamp
Teller
E-Mail
 
Cindy Whittemore
VP, Sr. Credit Adm. Officer
Phone: 1.855.779.6815
Cell: 217.317.0992
E-Mail
 
Joe Wills
VP, Business Banking
Phone: 1.866.933.7006
Cell: 618.292.0546
E-Mail
 
 
Z

Maggie Zahradka
AVP, Operations Officer
Phone: 1.866.670.3458
Cell: 217.801.2154
E-Mail
 
 
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