ILLINOIS INDIANA KENTUCKY MISSOURI
866-BANTERRA (226-8377)
Banterra.com
REV 2/2015
MEMBER FDIC
2014

BANTERRA OffERS 35 BRANChES TO SERvE YOU
Chairman & CEO
2 866BANTERRA (226-8377) • Banterra.com
President
866BANTERRA (226-8377) • Banterra.com
23

as a member of the Banterra Team , i am proud to share the exceptional results of our team’s efforts, the positive impact it has had on the bank’s strong financial performance and the enhancement of the communities in which we all live. we continually strive to improve and grow our existing customer relationships. if you are considering banking with Banterra , it is our goal that this information and the experience you have had or will have with our team members communicates the bank’s strength and dedication to our slogan “banking with local style.” we mean it.
Banterra will celebrate its 40 th anniversary in 2015. Banterra started with a single location in Ridgway, illinois, and today, the bank is the region’s largest locallyowned financial institution with 35 branches located in Illinois, Indiana, Kentucky and Missouri with total assets of $1.3 billion. Banterra now stands in the top five percent of banks in Illinois and top ten percent in the nation. This growth is reflective of hard work and smart expansion and acquisitions, such as the recent merger of area bank and new branches in East prairie and st. louis, Missouri. our success comes by maintaining core objectives. we are motivated to provide the highest results to our stakeholders, which include customers, team members, shareholders and communities in which we live. we utilize the business expertise of a strong board of directors, as well as regional advisory boards in our regions. we continually innovate and design new products and strive to offer the best in service and conveniences. we support the needs of our communities with almost
30% of the marketing budget dedicated to community contributions.
Most of all, we have a dedicated Banterra Team of almost 400 employees ready to serve your financial needs. The bank routinely celebrates the impressive milestones of employee anniversaries such as 25, 30 and 35 years of service, and that doesn’t happen with just any company. Banterra is locally owned and managed and we live in the same communities as the people and companies we serve.
we accomplished a great deal in 2014 and we have a lot more planned in 2015.
We truly appreciate the opportunity to meet your financial needs. I invite you to visit Banterra.com
to learn more about Banterra and take our online survey. we look forward to serving you and hearing your opinion.
Regards,
Jeff May
President
Banterra Bank
22 866BANTERRA (226-8377) • Banterra.com
866BANTERRA (226-8377) • Banterra.com
3

BRANCh & ATM LOCATIONS
• Founded in 1975; headquartered in Eldorado, Illinois.
• The largest, locally-owned bank in the region with $1.3
billion in assets.
• Regional presence – Illinois, Indiana, Kentucky, Missouri
• Products and services that customers expect from a
mega bank, but with the personal service that only
comes from a strong regional community bank.
• Team members who go above and beyond what a customer
would expect in order for your experience to be exceptional.
• We care about building businesses in our communities.
• We value entrepreneurs with strong leadership and
management teams.
• Strong interest in Commercial and Industrial (C&I) companies
including manufacturing, distribution and service companies,
among others.
• Lending capacity in excess of $35 million, focusing on middle
market, mostly privately-owned companies.
• Experience with agricultural lending that is the cornerstone
of our bank and unmatched in the region.
• Deep experience in working with customers and their
advisors to develop the optimal lending arrangement that
supports company success now and into the future.
• Enhanced mortgage offerings in order to provide the best
mortgage service to our customers as well as support the
real estate efforts in our communities.
• Rather than dedicating considerable dollars in reminding the
public to bank with us, we choose to invest our largest
marketing budget line item back into our communities
through sponsorships and donations.
EvANSvILLE
133 cross pointe blvd.
812-475-2866
435 E. Diamond ave.
812-228-5230
705 n. st. Joseph ave.
812-401-4323
NEwBURgh
3811 haley Dr.
812-490-3200
PADUCAh
5200 hinkleville Rd.
270-444-6267
3151 parisa Dr.
270-442-9718
CAPE gIRARDEAU
1650 n. kingshighway
573-339-5787
EAST PRAIRIE
Loan Production Office Only
1664 s. highway 102
Beginning Spring 2015
99 Prairie Dr.
573-290-2561
LADUE
9900 Clayton Rd., Suite E
314-942-3090
INSURANCE DIvISION
Eldorado
1501 U.s. highway 45
800-455-3391
ADMINISTRATIvE OffICES
Corporate
Eldorado
1404 U.s. highway 45
618-273-9346
Electronic Banking
Eldorado
1404 U.s. highway 45
618-273-7309
Marketing/Administration
Marion
111 airway Dr.
618-997-2760
4 866BANTERRA (226-8377) • Banterra.com
866BANTERRA (226-8377) • Banterra.com
21

BRANCh & ATM LOCATIONS
CARBONDALE
1917 W. Main St.
618-549-4445
ATM Only westowne centre
2003 w. Main st.
CARMI
1310 w. Main st.
618-382-7376
CARTERvILLE
108 E. plaza Dr.
618-985-3738
CAvE-IN-ROCK
249 N. Canal St.
618-289-3240
ChRISTOPhER
506 n. Victor st.
618-724-9416
DUQUOIN
124 w. Main st.
618-542-2142
ATM Only southtowne shopping center, Rt. 51 south
ELDORADO
1501 U.s. hwy. 45 s.
618-273-2242
ELIzABEThTOwN
101 s. Main st.
618-287-2171
ATM Only *
Elizabethtown Riverport
Express
100 1st street gOLCONDA
121 E. Main st.
618-683-2600 hARRISBURg
520 E. poplar st.
618-253-6000 hARRISBURg (cont’d)
395 S. Commercial St.
618-253-6000 hERRIN
318 s. park ave.
618-942-7373
MARION
3201 banterra Dr.
618-993-2678
800 n. carbon st.
618-993-2984
401 E. Deyoung st.
618-993-0180
In-Kroger
1704 w. Deyoung st.
618-997-1643
102 w. Main st.
618-993-2678
ATM Only borowiak’s iga
914 W. Main St.
MCLEANSBORO
200 E. Market st.
618-643-2351
METROPOLIS
Address until Fall 2015
101 w. Eighth st.
Address beginning Fall 2015
521 Ferry St.
618-524-9316
MT. vERNON
3520 broadway st.
618-242-9070
NORRIS CITY
208 E. Main st.
618-378-3453
ATM Only
Doug’s Food Mart
201 s. Division st.
20 866BANTERRA (226-8377) • Banterra.com
RIDgwAY
123 s. Murphy st.
618-272-3151
ATM Only
QuickMart
105 w. Main st.
ROSICLARE
225 Main st.
618-285-6813
ATM Only *
Russell oil
415 Main street vIENNA
402-04 court st.
618-658-2011
529 E. Vine St.
618-658-8801 wEST fRANKfORT
110 E. oak st.
618-932-2131
ATM Only
1206 w. Main st.
ATM Only casey’s general store
1305 E. Main st.
JOhNSTON CITY
ATM Only * casey’s general store
1117 grand ave.
OMAhA
ATM Only * omaha one stop
644 third st.
SESSER
ATM Only * casey’s general store
202 s. park st.
wEST CITY
ATM Only *
Murphy oil at wal-Mart
917 Giacone Dr.
*Cash dispenser only
866BANTERRA (226-8377) • Banterra.com
5

Everett D. Knight
Michael J. Alley
Steve A. Carter
Jason C. Knight
Robert Jeff May
James W. Morris
Harry C. Mueller
Thomas J. Raben
Everett D. Knight
Robert Jeff May
Chairman & Chief Executive Officer
President
Barbara L. McKenzie EVP, Chief Financial Officer
James W. Morris EVP, Chief Legal Officer
Steven R. Burroughs EVP, Chief Credit Officer
Debra Becht
Regina Davis
SVP, Director of Retail Banking
VP, Comptroller
Ed Carroll Cape Girardeau Region
Phil Goines River Region
Dennis Andrews
Chris Rutledge
East Region
Indiana Region
Bob Sellers St. Louis Region
Jeffrey Speith Central Region
David Madden Aviation Lending
Gary Taylor Corporate Banking
John VanDaele Machine Tool Lending
John Gill RV & Marine Lending
6 866BANTERRA (226-8377) • Banterra.com
Banterra provides personal banking products to better serve your financial needs and help you reach your American dream. Speak with a Banterra team member for complete details and offerings.
CHECKING
Variety of checking products to best serve your needs including Banterra
SmartChoice checking which features an identity theft protection service -
IDProtect ® , as well as Banterra InterestPlus that allows you to earn interest and Banterra Green which offers the essentials.
SAVINGS
Several ways to save including savings accounts, money markets, Individual
Retirement Accounts (IRAs), Certificate of Deposits (CDs), and health savings.
ONLINE & MOBILE BANKING
Enjoy free and convenient, online and mobile banking with Banterra . Register at
Banterra.com
or download our mobile and iPad apps (available on Banterra.com
,
App Store and Google Play) and you’ll experience banking anytime and anywhere. With our mobile app, you can easily view account balances and transactions, transfer funds, and pay bills. The app also features an on/off feature for your debit card for increased security and Mobile Check Deposit. Online banking has similar features including the option of receiving online statements.
MORTGAGE LOANS
Banterra offers exceptional mortgage loans including Fixed-Rate and
Adjustable-Rate, FHA & VA, Rural Housing, Jumbo Mortgage, Construction, and Refinance. Access funds easily for remodel, debt consolidation or other needs with Home Equity Line of Credit and Home Equity Loans. Best of all, in addition to helpful Banterra Mortgage Consultants , you can apply online, check rates and be reviewed for instant pre-qualification on Banterra.com
.
CONSUMER LOANS
Are you looking for a new car, boat or RV? Do you need to consolidate bills?
No matter what your needs are, we can help.
VISA ® CREDIT CARDS
Through Elan Financial Services, Banterra offers a variety of personal credit cards, including both VISA and American Express options, that offer competitive rates, bonus reward points and other important benefits.
OVERDRAFT SERVICES
In addition to standard overdraft practice, Banterra offers Overdraft Protection and Debit Card Overdraft Service to assist in managing your checking account.
OTHER - FOREIGN CURRENCY, INSURANCE & MORE
Banterra offers additional personal products including Foreign Currency,
Insurance* and more. Go to Banterra.com
for a complete listing.
866BANTERRA (226-8377) • Banterra.com
19

Banterra offers a variety of business products to ensure that you have the convenience and tools necessary for a successful business. Below are just a few highlights of what we offer. Stop by a branch and talk with a Banterra team member for complete details and offerings.
CHECKING
Variety of checking products including interest-bearing accounts.
SAVINGS
Savings accounts, money markets, and health savings for smart investing.
CommErCIAl & AGrICulturE loANS
Banterra offers a variety of financing solutions for businesses - big and small - as well as expertise in agricultural lending.
SPECIAlIzEd lENdING
Financing for specialty needs including Aviation, Corporate Banking, Machine
Tool, RV and Marine.
INSurANCE
Banterra offers a variety of insurance* products to complement your banking services in order to better serve your financial needs.
VISA ® CrEdIt CArdS
Through Elan Financial Services, Banterra offers a variety of VISA business credit cards that offer competitive rates, bonus reward points and other important benefits.
trEASurY mANAGEmENt SErVICES
Banterra offers a variety of superior treasury management services that provide convenience and personal attention to your business needs. Services include:
• Online Banking & Account Management
• Cash Management
• Image Retrieval
• Account Reconciliation
• Payments
• Direct Deposit of Payroll (ACH)
• Accounts Payable (ACH)
• Wire Transfers
• Receivables
• Account Receivables (ACH)
• Cash Concentration (ACH)
• Remote Deposit
• Merchant Processing
• Electronic Data Interchange (EDI)
• Fraud Detection
• Positive Pay
• Token Administration
• ACH Monitoring
• Sweep Accounts
• Zero-Balance Accounts
• Investment Sweep
• Line Of Credit Sweep
• Additional Business Services
• Night Deposit
• CDARS ®
• Vault Service
• Workforce Banking
*Not a deposit, not guaranteed by the bank, not FDIC Insured, not insured by any federal government agency.
18 866BANTERRA (226-8377) • Banterra.com
David Anderson
Frank Dietiker
Eye Consultants, Inc.
Stanley, Dirnberger & Hopper
Rick Hetzel R. Hetzel Properties
Rob Janet Dutch Enterprises, Inc.
Doug Mueller
Scott Rhodes
W. E. Walker-Lakenan Insurance Agency
Plaza Tire Service, Inc.
John Voss Procter & Gamble
Dan Felker Sterling Boiler & Mechanical, Inc.
Greg Folz The Research Institute of Deaconess Clinic
Chris Kiefer Ivy Tech Community College
Bob Scales Max Productivity, Inc.
Jennifer Stevens Southern Business Machines
James P. Garrett Bonne Terre Meat Company, Inc.
Garrett Enterprises, LLC
d/b/a Supply Solutions
Marty L. Johnson Johnson Plaster & Vinyl, Inc.
Bobby Miller
Bruce A. Wilcox
The Miller Law Firm
Henry A. Petter Supply Co.
For more information on our company, career opportunities, and services that we provide, please go to Banterra.com
.
To contact our staff or any particular branch, simply call us at
866BANTERRA (226-8377) .
866BANTERRA (226-8377) • Banterra.com
7

(Dollar amounts in thousands)
2014 2013 2012
Net Income $18,948 $16,939 $20,483 total assets $1,164,535
Legal Lending Limit
Total Equity
Loans
Deposits
Loan Loss Reserve
$35,200
$130,691
$900,843
$1,086,243 $995,625
$10,249
$29,951
$110,376
$814,555
$9,597
$27,867
$113,029
$788,235
$1,019,765
$9,677
2014 2013 2012 Peer Banks
Equity/Assets
Return On Assets
9.80% 9.61% 9.01% 9.80%
1.11% 1.02% 1.24% 0.92%
Return on Equity 11.23% 10.68% 13.00% 9.61%
Overhead/Total Assets 2.71% 2.79% 2.66% 2.91% net loan losses/loans 0.05% 0.24% 0.26% 0.15%
Net Loans/Assets 69.28% 68.36% 67.19% 65.61%
Source FDIC’s UBPR
U.S. CHARTERED BANKS - Out of 6,589 U.S. chartered banks,
Banterra ranks in the top ten percent.
10% 20% 30% 40% 50% 60% 70% 80%
TOP 10%
90% 100%
Banterra raises $9,000 for Associated Fire Fighters Of Illinois.
ILLINOIS CHARTERED BANKS - Out of 550 Illinois banks,
Banterra ranks in the top five percent.
TOP 5%
10% 20% 30% 40% 50% 60%
Source FDIC; Ranking based on total assets.
70% 80% 90% 100%
8 866BANTERRA (226-8377) • Banterra.com
Banterra provides St. Louis Cardinal events in each market.
Banterra proudly supports
Southern Illinois University with athletic sponsorship.
Banterra supports charity needs such as Foster Parenting
866BANTERRA (226-8377) • Banterra.com
17

at Banterra , we understand the importance of service and taking care of our community. that’s probably because we understand that our business is about relationships, meeting customers’ needs, and doing what we can to improve our neighborhoods.
that’s why we make it a point to support our communities. sometimes it is through sponsoring a local event or donating to our schools. oftentimes, it is our employees as well as our customers supporting fund-raising promotions that are ongoing in our branches.
Banterra supported hundreds of community needs in 2014, including donating buildings in Metropolis (for use of a courthouse), paducah
(for use of habitat for humanity) and Mt. Vernon (for use of downtown development). Banterra also raised $9,000 for Associated Fire Fighters of Illinois, as well as provided promotional support, to assist AFFI in presenting an equipped vehicle to a wounded soldier from Southern Illinois.
If your charity, organization, or event would like to request a donation or sponsorship from Banterra , simply stop by your local branch and talk to a banking center Manager. you’ll be provided with a form to complete for consideration.
Banterra wants to be the financial partner that helps you reach your american dream, whether that is buying a home or starting your own business. You’ll also find that we are a financial partner that wants you to have fun! we sometimes offer special events that raise money for a charity or show our customer appreciation.
whether it is offering discount tickets to a st. louis cardinals baseball game or the world-famous grand ole opry, we turn fundraisers into fun raisers by presenting events that raise money for local charities.
you may also see fun customer appreciation events not only in our branches, but also in our communities, such as a football tailgate or a special lunch for our farmers. at Banterra , we want to get to know our customers and these limited opportunities often support that goal.
For Banterra’s latest updates on community service and special events, as well as more information on Banterra , go to Banterra.com
.
16 866BANTERRA (226-8377) • Banterra.com
(Dollar amounts in thousands)
$1,500,000
$1,250,000
$1,000,000
$750,000
$500,000
$349,193
$250,000
$498,405
$748,775
$955,742
$1,087,776
$1,286,112
$0
1990 1995 2000 2005 2010 2014
$1,000,000
(Dollar amounts in thousands)
$900,843
$800,000
$756,459
$643,028
$600,000
$490,431
$400,000
$200,000
$174,805
$291,100
$0
1990 1995 2000 2005 2010 2014
(Dollar amounts in thousands)
$1,250,000
$1,000,000
$750,000
$500,000
$250,000
$310,796
$452,538
$612,991
$751,042
$949,878
$1,086,243
$0
1990 1995 2000 2005 2010 2014
866BANTERRA (226-8377) • Banterra.com
9

Banterra merged with Area Bank in 2014, acquiring four branches in Southeastern
Illinois and gaining $100 million in assets.
Banterra’s free mobile and iPad apps were launched in January 2014, as well as
Banterra’s Mortgage Web Center, offering customers stronger convenience for banking - anytime, anywhere.
10 866BANTERRA (226-8377) • Banterra.com
866BANTERRA (226-8377) • Banterra.com
15

14 866BANTERRA (226-8377) • Banterra.com
NEW CONVENIENCES
Banterra rolled out new conveniences and improved products such as:
• Mobile and iPad Apps - Free, easy-to-use, provides banking 24/7.
• New Checking Products - three checking products were launched
including Banterra SmartChoice checking which includes several
benefits and features IDProtect ® , an identity theft protection product.
• Overdraft Services - Banterra launched overdraft protection, and
later complemented with a second product, Debit card overdraft
Service, in first quarter 2015.
MORTGAGE ENHANCEMENTS
Banterra launched a Mortgage web center on Banterra.com
, offering customers the option to get pre-qualified for a mortgage loan on their own time, check rates and use helpful mortgage resources as they shop for a home. Marketing for mortgages was also enhanced as well as home equity product improvements including a home equity line of credit debit card.
MARINE LENDING
Banterra increased volume 40% in indirect lending by adding Marine
lending to our platform.
AVIATION LENDING & CORPORATE BANKING
specialty lending continues to be enhanced with the addition of aviation
lending and corporate banking to the product line.
BANTERRA ACqUIRES AREA BANK
the Banterra family grew with the merger of area bank, which included four branches in southeastern illinois. locations included cave-in-Rock,
Elizabethtown, golconda and Rosiclare.
NEW BRANCHES ANNOUNCEMENT & RENOVATIONS
new branches for East prairie (Missouri) and Metropolis were announced, as well as completed renovations for West Frankfort and Marion
kroger branches.
866BANTERRA (226-8377) • Banterra.com
11

Banterra adds a location in Missouri, located in East Prairie at 99 Prairie Drive.
This branch will open in Summer 2015.
Banterra donated their current building to the city of Metropolis. This branch will open in Fall 2015, and is located at 521 Ferry Street.
12 866BANTERRA (226-8377) • Banterra.com
Continued Growth
Banterra plans for continued growth in 2015, with grand openings planned for two new branches. After establishing a loan production office in October 2013, Banterra is happy to announce a grand opening for a new branch in East Prairie, Missouri estimated to open in Summer 2015. The new branch, located at 99 Prairie Drive, will be led by Brad Keck, Senior Agriculture/ Commercial Lender.
In Fall 2015, Banterra will open a new branch in Metropolis, Illinois . To assist the county in finding a solution for the 1942 courthouse that was in much need of repair,
Banterra made an approximate $3.5 million value donation by providing their current branch facility to serve as the future courthouse. Banterra will then open a more modern and efficient facility to serve as its branch location.
new desiGns
East Prairie and Metropolis will feature a new design known as Dialogue Banking , which emphasizes the opportunity to have more dialogue with our customers in a casual environment and includes newly-designed teller stations and expanded selfservice opportunities, among other features.
More ConvenienCes
With a continued effort to offer convenience to customers, Mobile Check Deposit was offered beginning in first quarter, giving customers the opportunity to take a photo of a check and deposit it through their Mobile App . Also in the first quarter,
Banterra’s overdraft services was expanded to include Debit Card Overdraft
Services , allowing customers further convenience for their debit card needs.
CustoMer FeedbaCk
At Banterra , we are encouraging our customers to inform us of how we can serve them better, with online and printed surveys that are heavily promoted. Listening to our customers’ needs resulted in new offerings for 2015 including Account-To-
Account Transfers (External Bank Transfer Capability) and expanded service hours for electronic banking customers.
866BANTERRA (226-8377) • Banterra.com
13

Banterra adds a location in Missouri, located in East Prairie at 99 Prairie Drive.
This branch will open in Summer 2015.
Banterra donated their current building to the city of Metropolis. This branch will open in Fall 2015, and is located at 521 Ferry Street.
12 866BANTERRA (226-8377) • Banterra.com
Continued Growth
Banterra plans for continued growth in 2015, with grand openings planned for two new branches. After establishing a loan production office in October 2013, Banterra is happy to announce a grand opening for a new branch in East Prairie, Missouri estimated to open in Summer 2015. The new branch, located at 99 Prairie Drive, will be led by Brad Keck, Senior Agriculture/ Commercial Lender.
In Fall 2015, Banterra will open a new branch in Metropolis, Illinois . To assist the county in finding a solution for the 1942 courthouse that was in much need of repair,
Banterra made an approximate $3.5 million value donation by providing their current branch facility to serve as the future courthouse. Banterra will then open a more modern and efficient facility to serve as its branch location.
new desiGns
East Prairie and Metropolis will feature a new design known as Dialogue Banking , which emphasizes the opportunity to have more dialogue with our customers in a casual environment and includes newly-designed teller stations and expanded selfservice opportunities, among other features.
More ConvenienCes
With a continued effort to offer convenience to customers, Mobile Check Deposit was offered beginning in first quarter, giving customers the opportunity to take a photo of a check and deposit it through their Mobile App . Also in the first quarter,
Banterra’s overdraft services was expanded to include Debit Card Overdraft
Services , allowing customers further convenience for their debit card needs.
CustoMer FeedbaCk
At Banterra , we are encouraging our customers to inform us of how we can serve them better, with online and printed surveys that are heavily promoted. Listening to our customers’ needs resulted in new offerings for 2015 including Account-To-
Account Transfers (External Bank Transfer Capability) and expanded service hours for electronic banking customers.
866BANTERRA (226-8377) • Banterra.com
13

14 866BANTERRA (226-8377) • Banterra.com
NEW CONVENIENCES
Banterra rolled out new conveniences and improved products such as:
• Mobile and iPad Apps - Free, easy-to-use, provides banking 24/7.
• New Checking Products - three checking products were launched
including Banterra SmartChoice checking which includes several
benefits and features IDProtect ® , an identity theft protection product.
• Overdraft Services - Banterra launched overdraft protection, and
later complemented with a second product, Debit card overdraft
Service, in first quarter 2015.
MORTGAGE ENHANCEMENTS
Banterra launched a Mortgage web center on Banterra.com
, offering customers the option to get pre-qualified for a mortgage loan on their own time, check rates and use helpful mortgage resources as they shop for a home. Marketing for mortgages was also enhanced as well as home equity product improvements including a home equity line of credit debit card.
MARINE LENDING
Banterra increased volume 40% in indirect lending by adding Marine
lending to our platform.
AVIATION LENDING & CORPORATE BANKING
specialty lending continues to be enhanced with the addition of aviation
lending and corporate banking to the product line.
BANTERRA ACqUIRES AREA BANK
the Banterra family grew with the merger of area bank, which included four branches in southeastern illinois. locations included cave-in-Rock,
Elizabethtown, golconda and Rosiclare.
NEW BRANCHES ANNOUNCEMENT & RENOVATIONS
new branches for East prairie (Missouri) and Metropolis were announced, as well as completed renovations for West Frankfort and Marion
kroger branches.
866BANTERRA (226-8377) • Banterra.com
11

Banterra merged with Area Bank in 2014, acquiring four branches in Southeastern
Illinois and gaining $100 million in assets.
Banterra’s free mobile and iPad apps were launched in January 2014, as well as
Banterra’s Mortgage Web Center, offering customers stronger convenience for banking - anytime, anywhere.
10 866BANTERRA (226-8377) • Banterra.com
866BANTERRA (226-8377) • Banterra.com
15

at Banterra , we understand the importance of service and taking care of our community. that’s probably because we understand that our business is about relationships, meeting customers’ needs, and doing what we can to improve our neighborhoods.
that’s why we make it a point to support our communities. sometimes it is through sponsoring a local event or donating to our schools. oftentimes, it is our employees as well as our customers supporting fund-raising promotions that are ongoing in our branches.
Banterra supported hundreds of community needs in 2014, including donating buildings in Metropolis (for use of a courthouse), paducah
(for use of habitat for humanity) and Mt. Vernon (for use of downtown development). Banterra also raised $9,000 for Associated Fire Fighters of Illinois, as well as provided promotional support, to assist AFFI in presenting an equipped vehicle to a wounded soldier from Southern Illinois.
If your charity, organization, or event would like to request a donation or sponsorship from Banterra , simply stop by your local branch and talk to a banking center Manager. you’ll be provided with a form to complete for consideration.
Banterra wants to be the financial partner that helps you reach your american dream, whether that is buying a home or starting your own business. You’ll also find that we are a financial partner that wants you to have fun! we sometimes offer special events that raise money for a charity or show our customer appreciation.
whether it is offering discount tickets to a st. louis cardinals baseball game or the world-famous grand ole opry, we turn fundraisers into fun raisers by presenting events that raise money for local charities.
you may also see fun customer appreciation events not only in our branches, but also in our communities, such as a football tailgate or a special lunch for our farmers. at Banterra , we want to get to know our customers and these limited opportunities often support that goal.
For Banterra’s latest updates on community service and special events, as well as more information on Banterra , go to Banterra.com
.
16 866BANTERRA (226-8377) • Banterra.com
(Dollar amounts in thousands)
$1,500,000
$1,250,000
$1,000,000
$750,000
$500,000
$349,193
$250,000
$498,405
$748,775
$955,742
$1,087,776
$1,286,112
$0
1990 1995 2000 2005 2010 2014
$1,000,000
(Dollar amounts in thousands)
$900,843
$800,000
$756,459
$643,028
$600,000
$490,431
$400,000
$200,000
$174,805
$291,100
$0
1990 1995 2000 2005 2010 2014
(Dollar amounts in thousands)
$1,250,000
$1,000,000
$750,000
$500,000
$250,000
$310,796
$452,538
$612,991
$751,042
$949,878
$1,086,243
$0
1990 1995 2000 2005 2010 2014
866BANTERRA (226-8377) • Banterra.com
9

(Dollar amounts in thousands)
2014 2013 2012
Net Income $18,948 $16,939 $20,483 total assets $1,164,535
Legal Lending Limit
Total Equity
Loans
Deposits
Loan Loss Reserve
$35,200
$130,691
$900,843
$1,086,243 $995,625
$10,249
$29,951
$110,376
$814,555
$9,597
$27,867
$113,029
$788,235
$1,019,765
$9,677
2014 2013 2012 Peer Banks
Equity/Assets
Return On Assets
9.80% 9.61% 9.01% 9.80%
1.11% 1.02% 1.24% 0.92%
Return on Equity 11.23% 10.68% 13.00% 9.61%
Overhead/Total Assets 2.71% 2.79% 2.66% 2.91% net loan losses/loans 0.05% 0.24% 0.26% 0.15%
Net Loans/Assets 69.28% 68.36% 67.19% 65.61%
Source FDIC’s UBPR
U.S. CHARTERED BANKS - Out of 6,589 U.S. chartered banks,
Banterra ranks in the top ten percent.
10% 20% 30% 40% 50% 60% 70% 80%
TOP 10%
90% 100%
Banterra raises $9,000 for Associated Fire Fighters Of Illinois.
ILLINOIS CHARTERED BANKS - Out of 550 Illinois banks,
Banterra ranks in the top five percent.
TOP 5%
10% 20% 30% 40% 50% 60%
Source FDIC; Ranking based on total assets.
70% 80% 90% 100%
8 866BANTERRA (226-8377) • Banterra.com
Banterra provides St. Louis Cardinal events in each market.
Banterra proudly supports
Southern Illinois University with athletic sponsorship.
Banterra supports charity needs such as Foster Parenting
866BANTERRA (226-8377) • Banterra.com
17

Banterra offers a variety of business products to ensure that you have the convenience and tools necessary for a successful business. Below are just a few highlights of what we offer. Stop by a branch and talk with a Banterra team member for complete details and offerings.
CHECKING
Variety of checking products including interest-bearing accounts.
SAVINGS
Savings accounts, money markets, and health savings for smart investing.
CommErCIAl & AGrICulturE loANS
Banterra offers a variety of financing solutions for businesses - big and small - as well as expertise in agricultural lending.
SPECIAlIzEd lENdING
Financing for specialty needs including Aviation, Corporate Banking, Machine
Tool, RV and Marine.
INSurANCE
Banterra offers a variety of insurance* products to complement your banking services in order to better serve your financial needs.
VISA ® CrEdIt CArdS
Through Elan Financial Services, Banterra offers a variety of VISA business credit cards that offer competitive rates, bonus reward points and other important benefits.
trEASurY mANAGEmENt SErVICES
Banterra offers a variety of superior treasury management services that provide convenience and personal attention to your business needs. Services include:
• Online Banking & Account Management
• Cash Management
• Image Retrieval
• Account Reconciliation
• Payments
• Direct Deposit of Payroll (ACH)
• Accounts Payable (ACH)
• Wire Transfers
• Receivables
• Account Receivables (ACH)
• Cash Concentration (ACH)
• Remote Deposit
• Merchant Processing
• Electronic Data Interchange (EDI)
• Fraud Detection
• Positive Pay
• Token Administration
• ACH Monitoring
• Sweep Accounts
• Zero-Balance Accounts
• Investment Sweep
• Line Of Credit Sweep
• Additional Business Services
• Night Deposit
• CDARS ®
• Vault Service
• Workforce Banking
*Not a deposit, not guaranteed by the bank, not FDIC Insured, not insured by any federal government agency.
18 866BANTERRA (226-8377) • Banterra.com
David Anderson
Frank Dietiker
Eye Consultants, Inc.
Stanley, Dirnberger & Hopper
Rick Hetzel R. Hetzel Properties
Rob Janet Dutch Enterprises, Inc.
Doug Mueller
Scott Rhodes
W. E. Walker-Lakenan Insurance Agency
Plaza Tire Service, Inc.
John Voss Procter & Gamble
Dan Felker Sterling Boiler & Mechanical, Inc.
Greg Folz The Research Institute of Deaconess Clinic
Chris Kiefer Ivy Tech Community College
Bob Scales Max Productivity, Inc.
Jennifer Stevens Southern Business Machines
James P. Garrett Bonne Terre Meat Company, Inc.
Garrett Enterprises, LLC
d/b/a Supply Solutions
Marty L. Johnson Johnson Plaster & Vinyl, Inc.
Bobby Miller
Bruce A. Wilcox
The Miller Law Firm
Henry A. Petter Supply Co.
For more information on our company, career opportunities, and services that we provide, please go to Banterra.com
.
To contact our staff or any particular branch, simply call us at
866BANTERRA (226-8377) .
866BANTERRA (226-8377) • Banterra.com
7

Everett D. knight
Michael J. alley steve a. carter
Jason c. knight
Robert Jeff May
James w. Morris harry c. Mueller thomas J. Raben
Everett D. Knight Chairman & Chief Executive Officer
Robert Jeff May president
Barbara L. McKenzie EVP, Chief Financial Officer
James W. Morris EVP, Chief Legal Officer
Steven R. Burroughs EVP, Chief Credit Officer
Debra becht
Regina Davis sVp, Director of Retail banking
Vp, comptroller
Ed carroll cape girardeau Region phil goines central Region
Dennis andrews East Region chris Rutledge indiana Region bob sellers st. louis Region
David Madden aviation lending gary taylor corporate banking
John VanDaele
John Gill
Machine tool lending
RV & Marine Lending
6 866BANTERRA (226-8377) • Banterra.com
Banterra provides personal banking products to better serve your financial needs and help you reach your american dream. speak with a Banterra team member for complete details and offerings.
CHECKING
Variety of checking products to best serve your needs including Banterra
SmartChoice checking which features an identity theft protection service - iDprotect ® , as well as Banterra InterestPlus that allows you to earn interest and Banterra Green which offers the essentials.
SAVINGS several ways to save including savings accounts, money markets, individual
Retirement Accounts (IRAs), Certificate of Deposits (CDs), and health savings.
ONLINE & MOBILE BANKING
Enjoy free and convenient, online and mobile banking with Banterra . Register at
Banterra.com
or download our mobile and ipad apps (available on Banterra.com
, app store and google play) and you’ll experience banking anytime and anywhere. with our mobile app, you can easily view account balances and transactions, transfer funds, and pay bills. the app also features an on/off feature for your debit card for increased security and Mobile check Deposit. online banking has similar features including the option of receiving online statements.
MORTGAGE LOANS
Banterra offers exceptional mortgage loans including Fixed-Rate and
Adjustable-Rate, FHA & VA, Rural Housing, Jumbo Mortgage, Construction, and Refinance. Access funds easily for remodel, debt consolidation or other needs with Home Equity Line of Credit and Home Equity Loans. Best of all, in addition to helpful Banterra Mortgage Consultants , you can apply online, check rates and be reviewed for instant pre-qualification on Banterra.com
.
CONSUMER LOANS are you looking for a new car, boat or RV? Do you need to consolidate bills? no matter what your needs are, we can help.
VISA ® CREDIT CARDS
Through Elan Financial Services, Banterra offers a variety of personal credit cards, including both Visa and american Express options, that offer competitive rates, bonus reward points and other important benefits.
OVERDRAFT SERVICES in addition to standard overdraft practice, Banterra offers overdraft protection and Debit card overdraft service to assist in managing your checking account.
OTHER - FOREIGN CURRENCY, INSURANCE & MORE
Banterra offers additional personal products including Foreign Currency, insurance* and more. go to Banterra.com
for a complete listing.
866BANTERRA (226-8377) • Banterra.com
19

BRANCh & ATM LOCATIONS
CARBONDALE
1917 W. Main St.
618-549-4445
ATM Only westowne centre
2003 w. Main st.
CARMI
1310 w. Main st.
618-382-7376
CARTERvILLE
108 E. plaza Dr.
618-985-3738
CAvE-IN-ROCK
249 N. Canal St.
618-289-3240
ChRISTOPhER
506 n. Victor st.
618-724-9416
DUQUOIN
124 w. Main st.
618-542-2142
ATM Only southtowne shopping center, Rt. 51 south
ELDORADO
1501 U.s. hwy. 45 s.
618-273-2242
ELIzABEThTOwN
101 s. Main st.
618-287-2171
ATM Only *
Elizabethtown Riverport
Express
100 1st street gOLCONDA
121 E. Main st.
618-683-2600 hARRISBURg
520 E. poplar st.
618-253-6000 hARRISBURg (cont’d)
395 S. Commercial St.
618-253-6000 hERRIN
318 s. park ave.
618-942-7373
MARION
3201 banterra Dr.
618-993-2678
800 n. carbon st.
618-993-2984
401 E. Deyoung st.
618-993-0180
In-Kroger
1704 w. Deyoung st.
618-997-1643
102 w. Main st.
618-993-2678
ATM Only borowiak’s iga
914 W. Main St.
MCLEANSBORO
200 E. Market st.
618-643-2351
METROPOLIS
Address until Fall 2015
101 w. Eighth st.
Address beginning Fall 2015
521 Ferry St.
618-524-9316
MT. vERNON
3520 broadway st.
618-242-9070
NORRIS CITY
208 E. Main st.
618-378-3453
ATM Only
Doug’s Food Mart
201 s. Division st.
20 866BANTERRA (226-8377) • Banterra.com
RIDgwAY
123 s. Murphy st.
618-272-3151
ATM Only
QuickMart
105 w. Main st.
ROSICLARE
225 Main st.
618-285-6813
ATM Only *
Russell oil
415 Main street vIENNA
402-04 court st.
618-658-2011
529 E. Vine St.
618-658-8801 wEST fRANKfORT
110 E. oak st.
618-932-2131
ATM Only
1206 w. Main st.
ATM Only casey’s general store
1305 E. Main st.
JOhNSTON CITY
ATM Only * casey’s general store
1117 grand ave.
OMAhA
ATM Only * omaha one stop
644 third st.
SESSER
ATM Only * casey’s general store
202 s. park st.
wEST CITY
ATM Only *
Murphy oil at wal-Mart
917 Giacone Dr.
*Cash dispenser only
866BANTERRA (226-8377) • Banterra.com
5

BRANCh & ATM LOCATIONS
• Founded in 1975; headquartered in Eldorado, Illinois.
• The largest, locally-owned bank in the region with $1.3
billion in assets.
• Regional presence – Illinois, Indiana, Kentucky, Missouri
• Products and services that customers expect from a
mega bank, but with the personal service that only
comes from a strong regional community bank.
• Team members who go above and beyond what a customer
would expect in order for your experience to be exceptional.
• We care about building businesses in our communities.
• We value entrepreneurs with strong leadership and
management teams.
• Strong interest in Commercial and Industrial (C&I) companies
including manufacturing, distribution and service companies,
among others.
• Lending capacity in excess of $35 million, focusing on middle
market, mostly privately-owned companies.
• Experience with agricultural lending that is the cornerstone
of our bank and unmatched in the region.
• Deep experience in working with customers and their
advisors to develop the optimal lending arrangement that
supports company success now and into the future.
• Enhanced mortgage offerings in order to provide the best
mortgage service to our customers as well as support the
real estate efforts in our communities.
• Rather than dedicating considerable dollars in reminding the
public to bank with us, we choose to invest our largest
marketing budget line item back into our communities
through sponsorships and donations.
EvANSvILLE
133 cross pointe blvd.
812-475-2866
435 E. Diamond ave.
812-228-5230
705 n. st. Joseph ave.
812-401-4323
NEwBURgh
3811 haley Dr.
812-490-3200
PADUCAh
5200 hinkleville Rd.
270-444-6267
3151 parisa Dr.
270-442-9718
CAPE gIRARDEAU
1650 n. kingshighway
573-339-5787
EAST PRAIRIE
Loan Production Office Only
1664 s. highway 102
Beginning Spring 2015
99 Prairie Dr.
573-290-2561
LADUE
9900 Clayton Rd., Suite E
314-942-3090
INSURANCE DIvISION
Eldorado
1501 U.s. highway 45
800-455-3391
ADMINISTRATIvE OffICES
Corporate
Eldorado
1404 U.s. highway 45
618-273-9346
Electronic Banking
Eldorado
1404 U.s. highway 45
618-273-7309
Marketing/Administration
Marion
111 airway Dr.
618-997-2760
4 866BANTERRA (226-8377) • Banterra.com
866BANTERRA (226-8377) • Banterra.com
21

as a member of the Banterra Team , i am proud to share the exceptional results of our team’s efforts, the positive impact it has had on the bank’s strong financial performance and the enhancement of the communities in which we all live. we continually strive to improve and grow our existing customer relationships. if you are considering banking with Banterra , it is our goal that this information and the experience you have had or will have with our team members communicates the bank’s strength and dedication to our slogan “banking with local style.” we mean it.
Banterra will celebrate its 40 th anniversary in 2015. Banterra started with a single location in Ridgway, illinois, and today, the bank is the region’s largest locallyowned financial institution with 35 branches located in Illinois, Indiana, Kentucky and Missouri with total assets of $1.3 billion. Banterra now stands in the top five percent of banks in Illinois and top ten percent in the nation. This growth is reflective of hard work and smart expansion and acquisitions, such as the recent merger of area bank and new branches in East prairie and st. louis, Missouri. our success comes by maintaining core objectives. we are motivated to provide the highest results to our stakeholders, which include customers, team members, shareholders and communities in which we live. we utilize the business expertise of a strong board of directors, as well as regional advisory boards in our regions. we continually innovate and design new products and strive to offer the best in service and conveniences. we support the needs of our communities with almost
30% of the marketing budget dedicated to community contributions.
Most of all, we have a dedicated Banterra Team of almost 400 employees ready to serve your financial needs. The bank routinely celebrates the impressive milestones of employee anniversaries such as 25, 30 and 35 years of service, and that doesn’t happen with just any company. Banterra is locally owned and managed and we live in the same communities as the people and companies we serve.
we accomplished a great deal in 2014 and we have a lot more planned in 2015.
We truly appreciate the opportunity to meet your financial needs. I invite you to visit Banterra.com
to learn more about Banterra and take our online survey. we look forward to serving you and hearing your opinion.
Regards,
Jeff May
President
Banterra Bank
22 866BANTERRA (226-8377) • Banterra.com
866BANTERRA (226-8377) • Banterra.com
3

BANTERRA OffERS 35 BRANChES TO SERvE YOU
Chairman & CEO
2 866BANTERRA (226-8377) • Banterra.com
President
866BANTERRA (226-8377) • Banterra.com
23

ILLINOIS INDIANA KENTUCKY MISSOURI
866-BANTERRA (226-8377)
Banterra.com
REV 2/2015
MEMBER FDIC
2014