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 and Springfield. 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 217-562-2137 or fax 217-562-4445
Larry D. Beaty Michael E. Beyers David R. Fines John Gardner Barry V. Heaton George Hiler James D. Randolph Michael M. Trexler Robert R. Zueck David Slater
• 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.		January 12, 2010 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 another successful year despite the challenges of the national economy. Based on unaudited financial statements, it appears both loans and deposits increased by approximately 13% during 2009 and net income for 2009 will exceed $2,000,000. We look forward to reporting audited final results to you later. Our employees and staff have performed in an outstanding manner to achieve these results in 2009. We are very grateful for their continuing service. To position the bank to continue to grow in a safe and sound manner in 2010, talented new employees have been added and some employees have been promoted within our organization: • Dennis Ross joined the bank as VP, Business Banking in our Pana Branch. Dennis was formerly with Farm Credit Services in Shelbyville. • David Stake joined the bank as Community Bank President in our Chatham Branch. David was formerly with JPMorgan Chase Bank in Springfield. • Nancy Richards joined the bank as Vice President, Credit Officer in our Pana Branch. Nancy was formerly with Security Bank in Springfield. • Lisa Henschen has been promoted to Vice President, Credit Administration Manager in our Pana Branch. Lisa formerly served as an Assistant Vice President, Consumer Banking. • Jennifer Nagle has been promoted to Assistant Vice President, Consumer Banking in the Pana Branch. Jennifer was formerly a Consumer Banker. • Maggie Zahradka has been promoted to Assistant Vice President, Operations Officer (Technology) in our Pana Branch. Maggie formerly served as Network Administrator. • Kristi Bricker joined the bank as Consumer Banker in our Pana Branch. Kristi was formerly with Sangamon Schools Credit Union in Springfield. • Teresa Beal joined the bank as Consumer Banker in our Altamont Branch. Teresa was formerly with First Mid-IL Bank in Altamont. The Board of Directors of People First Bancshares, Inc. is pleased to announce a distribution of $0.68 per share to shareholders of record as of January 2, 2010. This distribution represents $0.08 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 2009 for this purpose, $1.12 has been distributed as reimbursement for potential 2009 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 15, 2010. The Schedule K-1 reports your share of the Corporation’s 2009 taxable income for use in filing your 2009 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 at the highest marginal income tax rates to ensure that the shareholders are not paying any of the income tax liability associated with the Company out of their pocket. 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 most recent trades of People First Bancshares, Inc. have occurred at $52.00 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 appreciated the confidence you have placed in us through your stock investment as well as your banking relationship. Sincerely, Michael M. Trexler Vice-Chairman of the Board John Gardner President and CEO
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 Lending Officer Phone: 1.866.933.6997 E-Mail   Mike Alde Maintenance Manager   Jim Anderson Teller E-Mail     B Mary Baird Teller E-Mail   Ashley Basso Teller E-Mail   Theresa Beal Consumer Banker Phone: 1.866.933.7005 E-Mail   Patty Bond Corporate Assistant Phone: 1.866.670.3459 E-Mail   Kristi Bricker Consumer Banker 1.866.670.3448 E-Mail     C Barbara Casner Teller E-Mail   Brittany Cox Teller E-Mail   Whitney Crowe Teller E-Mail   Brenda Cutler Teller E-Mail     D Kathy Davis Teller E-Mail   Craig Deere VP Finance Phone: 1.866.670.3457 E-Mail     E Yvonne Endris Bookkeeper Phone: 1.866.670.3463 E-Mail   Nick Epley VP Business Banking Phone: 1.866.670.3451 E-Mail   Christina Evrley Teller E-Mail     F Robyn Foster Bookkeeper Phone: 1.866.720.8661 E-Mail   Mandi Fouts Teller E-Mail     G John Gardner President & Chief Executive Officer Phone: 1.866.670.3455 E-Mail   Connie Glick Teller E-Mail   Jo Anne Grimes Bookkeeper Phone: 1.866.720.7797 E-Mail     H Michelle Hancock Financial Advisor Phone: 1.866.670.3454   Carissa Harlow Teller E-Mail   Ken Hart Community Bank President Phone: 1.866.933.6994 E-Mail   George Heintz Community Bank President Phone: 1.866.670.3449 E-Mail   Len Hempen Consumer Banker Phone:1.888.277.4640 E-Mail   Lisa Henschen VP Credit Administration Manager Phone: 1.866.670.3439 E-Mail   Steve Hickerson VP Operations Phone: 1.866.670.3461 E-Mail   Sherri Hunter AVP Operations Officer Phone: 1.866.670.3437 E-Mail     K Martha Kerns AVP Consumer Banking Phone: 1.866.933.7009 E-Mail   Karen Kerr AVP Operations Phone: 1.866.670.3462 E-Mail   Pat Kime Teller E-Mail   Joani Kiser Teller E-Mail   Wanda Koons Bookkeeper Phone: 1.866.720.8653 E-Mail     L Jessica Lahr Teller E-Mail   Amanda Lipe Teller E-Mail   Nancy Lukehart Teller E-Mail     M Kelly Matthews Teller E-Mail   Linda Miller Consumer Banker Phone: 1.866.670.3440 E-Mail   Bonnie Miller Credit Administrator Phone: 1.866.720.8659 E-Mail     N Jennifer Nagle AVP Consumer Banking Officer Phone: 1.866.720.8677 E-Mail   Becky Norris Teller E-Mail     P Judy Prasun Consumer Banker Phone: 1.866.720.8678 E-Mail   Vicki Pridemore Teller E-Mail     R Nancy Richards VP Credit Officer 1.866.720.8658 E-Mail   Dennis Ross VP Business Banking Phone: 1.866.933.7012 E-Mail     S Terry Schafer Administrative Assistant - HR & Marketing Phone: 1.866.670.3460 E-Mail   Carol Schneider Credit Administrator Phone: 1.866.933.6998 E-Mail   Danielle Sheley Teller E-Mail   Cristy Simon Credit Administrator Phone: 1.866.720.8662 E-Mail   Jay Sison Financial Advisor Phone: 1.866.670.3452   Dan Sneed VP Business Banking Phone: 1.866.933.6993 E-Mail   David Stake Community Bank President Phone: 1.866.234.0952 E-Mail     T Megan Trelz Teller E-Mail     W Edrie Walton Credit Administrator Phone: 1.866.933.7003 E-Mail   Joyce Webster Teller E-Mail   Joe Wills VP Business Banking Phone: 1.866.933.7006 E-Mail     Y Karen Yeaman VP Consumer Banking Phone: 1.866.720.8664 E-Mail   Jan Young Consumer Banker 866-670-3441 E-Mail     Z Maggie Zahradka AVP, Operations Officer Phone: 1.866.670.3458 E-Mail
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