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Chairman's Corner - 04/10


As the Board of Directors of First State Bank & Trust Co. recently reviewed our 1st quarter numbers for 2010 it occurred to me that you, our friends and clients, would appreciate knowing more of the strength of your bank.  We have again been awarded the BauerFinancial Five Star rating, the highest rating given.  We are very pleased with this rating, but not surprised.  I would like to review a few of our Capital Ratios for you so you can see some of the ways we continue to warrant the top rating:

Total Risk Based Capital Ratio:      18.52%
(Risk Based Capital*/Risk Weighted Assets**)
A bank with a ratio of 10% is considered well-capitalized.   

Tier 1 Capital Ratio:                          17.35%
(Tier 1 Capital***/ Risk Weighted Assets**)
A bank with a ratio of 6% is considered well-capitalized.

Leveraged Capital Ratio:                  10.60%
(Tier 1 Capital***/Average Assets)
A bank with a ratio of 5% is considered well-capitalized.

I bring these ratios to your attention to let you know that First State Bank & Trust Co. is financially solid and well-positioned to serve our communities.  We are committed to meeting the needs of our clients through dedication to the solid values that you want from your bank – integrity, reliability, and strength. 

I am very pleased with our numbers, and with the commitment our associates have to maintaining the integrity and strength of our institution. Please feel free to contact me, or any of our associates, if you have any additional banking needs.  My email address can be found at the bottom of this page.



*Risk Based Capital – Risk-based capital represents an amount of capital, based on an assessment of risks, which a bank should hold to protect customers against adverse developments.

 **Risk Weighted Assets - A bank's assets weighted according to credit risk

***Tier 1 Capital - Tier I capital is core capital; this includes equity capital and disclosed reserves.