First State Bank and Trust Company, Inc.

Overview / Commentary

www.fsbtrust.com

573-333-1700

100 West Third Street
Caruthersville, MO 63830

First State Bank and Trust Company, Inc. is headquartered in Caruthersville and is the 71^st largest bank in the state of Missouri. It is also the 1,825^th largest bank in the nation. It was established in 1934 and as of September of 2019, it had grown to 84 employees at 6 locations. First State Bank and Trust Company, Inc.'s money market rates are 3X the national average, and it boasts an A+ health rating.

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Health

A+

Data as of Q3 2019

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Health Grade Components

Overall
FDIC Certificate #	14185
Year Established	1934
Employees	84
Primary Regulator	FED

Profit Margin
Return on Assets - YTD	1.64%
Return on Equity - YTD	13.07%
Annual Interest Income	$12.8MM

Assets and Liabilities
Assets	Q3 2019vs Q3 2018	$383.6MM$367.4MM
Loans	Q3 2019vs Q3 2018	$279.7MM$268.7MM
Deposits	Q3 2019vs Q3 2018	$327.1MM$293.0MM
Equity Capital	Q3 2019vs Q3 2018	$48.3MM$42.6MM
Loan Loss Allowance	Q3 2019vs Q3 2018	$3.4MM$3.7MM
Unbacked Noncurrent Loans	Q3 2019vs Q3 2018	$763.00K$367.00K
Real Estate Owned	Q3 2019vs Q3 2018	$9.00K$194.00K

Rates

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Savings
Money Market
Checking
CD
IRA

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

First State Bank and Trust Company, Inc. Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.80%	-	-	Health Savings Account
0.25%	-	-	Statement Savings Account
0.25%	-	-	Christmas Club Account

First State Bank and Trust Company, Inc. Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
1.50%^*	$25k^*	-	Money Market Demand Account
OTHER TIERS: 1.35% → Up to $25k

First State Bank and Trust Company, Inc. Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.15%	$1.5k	-	Platinum Interest Checking
0.10%	-	-	Legacy Checking
0.10%	-	-	Advantage Checking
0.05%	-	-	Business Interest Checking

First State Bank and Trust Company, Inc. CD Rates

APY	MIN	MAX	ACCOUNT NAME
1.64%	$1k	-	60 Month Time Deposit CD - Monthly
1.58%	$1k	-	36 Month Time Deposit CD - Monthly
1.54%	$1k	-	24 Month Time Deposit CD - Monthly
1.53%	$1k	-	18 Month Time Deposit CD - Monthly
1.53%	$1k	-	30 Month Time Deposit CD - Monthly
1.50%	$1k	-	12 Month Time Deposit CD - Monthly
1.45%	$1k	-	42 Month Time Deposit CD - Monthly
0.75%	$1k	-	9 Month Time Deposit CD - Monthly
0.70%	$1k	-	6 Month Time Deposit CD - Monthly
0.35%	$1k	-	3 Month Time Deposit CD - Monthly
0.30%	$1k	-	1 Month Time Deposit CD - Monthly

First State Bank and Trust Company, Inc. IRA Rates

APY	MIN	MAX	ACCOUNT NAME
1.64%	$1k	-	60 Month IRA - Monthly
1.63%	$1k	-	48 Month IRA - Monthly
1.58%	$1k	-	36 Month IRA - Monthly
1.54%	$1k	-	24 Month IRA - Monthly
1.53%	$1k	-	18 Month IRA - Monthly
1.50%	$1k	-	12 Month IRA - Monthly
0.70%	$1k	-	6 Month IRA - Monthly

Locations

First State Bank and Trust Company, Inc. Locations
First State Bank and Trust Company, Inc.	100 West Third Street	Caruthersville, MO 63830
Portageville Branch	301 East Third Street	Portageville, MO 63873
Dexter Branch	710 US 60 Business Highway West	Dexter, MO 63841
Sikeston Branch	750 South Main	Sikeston, MO 63801
Hayti Branch	805 East Washington	Hayti, MO 63851
Mississippi County Branch	501 S Main St	Charleston, MO 63834

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