Board Report October 2025

Investment Comparisons

Account Balance

$ 3,000,000

Keeping money in local banks

Dollar

Portfolio

in highest yielding CDs

Dollar Amount

Yield

Yield

Percentage

Hometown National Bank

$

245,000

4.58%

$

11,221

8.33%

Peru Federal Savings and Loan

$

245,000

3.75%

$

9,188

8.33%

LaSalle State Bank

$

245,000

2.59%

$

6,346

8.33%

Eureka Savings Bank

$

245,000

4.60%

$

11,270

8.33%

Spring Valley City Bank

$

245,000

5.10%

$

12,495

8.33%

Ottawa Savings Bank

$

245,000

4.08%

$

9,996

8.33%

State Bank of Cherry

$

245,000

2.58%

$

6,321

8.33%

Central Bank (Princeton)

$

245,000

2.00%

$

4,900

8.33%

First National Bank of Ottawa

$

245,000

2.18%

$

5,341

8.33%

Illini State Bank

$

245,000

2.26%

$

5,537

8.33%

Midland States Bank

$

245,000

4.32%

$

10,584

8.33%

Streator Home Savings Bank

$

245,000

4.03%

$

9,874

8.33%

Subtotal

$

2,940,000

3.51%

$ 103,072

100.00%

Keeping money in CDARs

4 week

$

600,000

4.58%

$

27,480

20.0%

13 week

$

600,000

4.55%

$

27,300

20.0%

26 week

$

600,000

4.56%

$

27,360

20.0%

52 week

$

600,000

4.60%

$

27,600

20.0%

2 year

$

600,000

4.20%

$

25,200

20.0%

Subtotal

$

3,000,000

4.50%

$ 134,940

100.0%

Investing in Treasuries

CASH

$

600,000

5.13%

$

30,780

20.0%

3 month

$

600,000

5.40%

$

32,400

20.0%

6 month

$

600,000

5.45%

$

32,700

20.0%

1 year

$

600,000

5.30%

$

31,800

20.0%

2 year

$

600,000

4.70%

$

28,200

20.0%

Subtotal

$

3,000,000

5.20%

$ 155,880

100.0%

Fees (20 bps)

$

6,000

7

Total in Treasuries net of fees

$ 3,000,000

5.00%

$ 150,000