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Chairman's Corner - 04/09


As you well know, there is a great deal of bad economic news out there, and much of that bad news centers around our country’s financial system.  Recent reports on the banking industry reveal that banks and savings institutions reported a net loss of $26.2 billion in the fourth quarter of 2008, a decline of $27.8 billion from the $575 million that the industry earned in the fourth quarter of 2007 and the first quarterly loss since 1990.  The industry’s earnings for all of 2008 totaled $16 billion, the lowest since 1990.  The problem bank list grew by 81 to 252 in the fourth quarter.

Now for the Good News:
Your bank, First State Bank & Trust Co., is not one of those banks:

  • We have again been awarded the BauerFinancial Five Star Superior Bank rating.  This rating takes into consideration the bank’s capital ratio; profitability/loss trend; the level of delinquent loans, charge offs and repossessed assets; the market versus book value of the investment portfolio; regulatory supervisory agreement; the community reinvestment rating; historical data and liquidity.

  • First State Bank & Trust Co. will soon be celebrating its 113th birthday. We are proud of our long history, which was built on the understanding that customer trust is paramount. That philosophy dictates our sound banking practices and decisions, because we know the safety and security of your money is important. 

  • Because of our strength and our solid banking philosophy, we are in a good position to move with confidence into the future.  We are committed to providing our clients with the latest in banking products and services.  We are constantly studying and brainstorming ways to improve our services and products.  Our strength and stability provide us with a perfect launching pad for the future, whatever that may bring.

  • We are committed to providing high-quality relationship banking.  We make a point of knowing our customers and their unique situation in order to provide them with a supportive and responsive banking partner.  Our bankers have the experience to guide our customers to the best financial solution for their particular situation. 

Again, I wanted you to know the good news of banking with First State Bank & Trust Co.  Please let me know if we can be of further service. You can reach me at the email address below.