First State Bank of St. Charles, Missouri, 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 St. Charles has served St. Charles County for over 145 years, and is the oldest independent community bank in the St. Louis metropolitan area. First State Bank is the 7th oldest bank in Missouri. Since 1867, First State Bank has never been bought out by another bank.

Since its founding in 1867, First State Bank's priority has been — and continues to be — to meet the financial needs of local businesses and continue the distinctive personal relationships its customers have come to expect.

St. Charles
206 North Fifth Street
St. Charles, MO 63301

St. Charles
1501 Old Highway 94 South
St. Charles, MO 63303

O'Fallon
300 Woodlawn Avenue
O'Fallon, MO 63366

Lake Saint Louis
3461 Technology Drive
Lake Saint Louis, MO 63367

Chesterfield
17050 Baxter Road
Chesterfield, MO 63005

Mortgage Lending – St. Charles
2850 West Clay
St. Charles, MO 63301

Mortgage Lending – Lake of the Ozarks
2265 Bagnell Dam Blvd,
Suite B, PO Box 1449
Lake Ozark, MO 65049

Mortgage Lending – Chesterfield
16640 Chesterfield Grove Road
Suite 190
Chesterfield, MO 63005

Mortgage Lending – Lee’s Summit
1639 NE Douglas Street
Lee’s Summit, MO 64086

Mortgage Lending – Overland Park
6800 College Boulevard
Suite 100
Overland Park, KS 66211