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 First State Bank and Trust
First State Bank and Trust
| RSSD ID 899642 | CERTIFICATE 16332 | ABA NUMBER 71121963 |
| 201 W Main St |
Quarter Ended : |
2025-03-31 |
| Monticello, Illinois, 61856 |
Updated : |
2025-04-30 |
| www.fsbcorp.com |
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| Institution Profile |
| Year Opened : |
1945 |
Institution Type : |
Commercial bank |
| Entity Type : |
State |
Federal Regulator : |
FDIC |
| Member Federal Reserve : |
No |
S-Corp : |
Yes |
| Fiduciary Powers : |
Yes |
Powers Exercised : |
Yes |
| Filing Type : |
051 |
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| Specialization : |
All Other Under 1 Billion |
| Number of Offices : |
10 |
Number of Employees : |
96 |
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| Financial Fast Facts |
Balance Sheet
(USD, in thousands) |
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Income Statement
(USD, in thousands, ytd) |
| Total Assets | 508,239 |
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Total Interest Income | 5,473 |
| Total Liabilities | 469,674 |
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Total NonInterest Income | 984 |
| Total Bank Equity Capital | 38,565 |
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Total Interest Expense | 973 |
| Total Deposits | 465,635 |
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Total NonInterest Expense | 3,292 |
| Net Loans & Leases | 182,319 |
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Net Income | 2,171 |
| Loan Loss Allowance | 2,131 |
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Net Charge Offs | 55 |
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| Regulatory Capital |
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Quarterly Averages
(USD, in thousands) |
| Total capital | 46,351 |
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Total loans | 183,193 |
| Total assets for the leverage ratio | 493,912 |
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Loans secured by real estate: | 149,311 |
| Tier 1 Leverage Ratio | 8.94 |
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Commercial and industrial loans | 11,440 |
| Tier 1 Capital Ratio | 22.05 |
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Loans to individuals - Credit Cards | 0 |
| Total Capital Ratio | 23.14 |
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Loans to individuals - Other | 4,674 |
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:· First State Bank and Trust
