First State Bank of Decatur, Financial Information

Terms and Definitions

• Domestic deposits

  The sum of all domestic deposits, including demand deposits, money market deposits and time deposits.
• Equity capital

  Total equity capital (includes preferred and common stock, surplus and undivided profits).
• ROA

  Return on assets, net income after taxes and extraordinary items (annualized) as a percent of average total assets.
• ROE

  Return on equity, annualized net income as a percent of average equity on a consolidated basis.

First State Bank of Decatur is a locally owned and operated state chartered community bank serving the financial needs of businesses and individuals in the Decatur area. First State Bank of Decatur offers a wide variety of products and services, such as internet banking, including online bill payment, 24 hour telephone banking, check image statements and business and personal checking and loan products.

First State Bank offers secure web based tools to help you manage your finances and save time 24 hours a day, 7 days a week, wherever you have an internet connection, at your convenience. Online banking allows you to check balances and conduct common banking tasks and transactions over the internet in a secure environment. Bill Pay is a service that allows you to schedule one time and recurring bill payments online, view pending payments, and manage your bill payment needs.

First State Bank of Decatur
124 S. Phelps Street
P.O. Box 5
Decatur, MI 49045
Phone: (269) 423-7014
Fax: (269) 423-8851