First Central State Bank

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Overview / Commentary

www.firstcentralsb.bank

800-262-3141

914 Sixth Avenue
DeWitt, IA 52742

First Central State Bank is headquartered in Dewitt and is the 46^th largest bank in the state of Iowa. It is also the 1,645^th largest bank in the nation. It was established in 1967 and as of December of 2018, it had grown to 56 employees at 4 locations. First Central State Bank has an A+ health rating.

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Health

A+

Data as of Q4 2018

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Health Grade Components

Overall
FDIC Certificate #	19716
Year Established	1967
Employees	56
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	1.28%
Return on Equity - YTD	11.7%
Annual Interest Income	$16.4MM

Assets and Liabilities
Assets	Q4 2018vs Q4 2017	$423.8MM$402.9MM
Loans	Q4 2018vs Q4 2017	$291.5MM$283.2MM
Deposits	Q4 2018vs Q4 2017	$330.9MM$311.1MM
Equity Capital	Q4 2018vs Q4 2017	$46.2MM$42.4MM
Loan Loss Allowance	Q4 2018vs Q4 2017	$3.4MM$3.2MM
Unbacked Noncurrent Loans	Q4 2018vs Q4 2017	$527.00K$473.00K
Real Estate Owned	Q4 2018vs Q4 2017	$133.00K$568.00K

Rates

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

First Central State Bank Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
1.00%^*	-	$35k	Kasasa Saver
OTHER TIERS: 0.51% → $35k+

First Central State Bank Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
2.01%^*	-	$15k	Kasasa Cash
OTHER TIERS: 0.51% → $15k+

Locations

First Central State Bank Locations
Long Grove Iowa Branch	119 First Street	Long Grove, IA 52756
Le Claire Branch	1291 Eagle Ridge Road	Le Claire, IA 52753
First Central State Bank	914 Sixth Avenue	De Witt, IA 52742
Eldridge Branch	500 East Leclaire Road	Eldridge, IA 52748

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