The First State Bank, 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 has been at the center of Ness County's growth and prosperity for over 90 years. The Bank was organized in Beeler, Kansas in 1916 and later relocated to Ness City in 1933.

First State Bank continues to provide a reliable source of agricultural, commercial and consumer credit along with financial advice and a wide choice of deposit products and services. Locally owned and operated, First State Bank offers the personal service that comes from hometown people.

First State Bank offers lending services to finance both personal and business needs. The bank have a wide array of consumer and business loan products and can assure you that your loan application will be processed quickly and efficiently.

First State Bank offers the convenience of 24-hour Internet Banking. Anywhere you have internet access you can access your account information. View your current account balances, transfer funds between accounts, make loan payments and view transaction and deposit history for each account.

First State Bank
P.O. Box 397
206 N. Pennsylvania Ave.
Ness City, KS 67560
Phone: 785-798-3347
Fax: 785-798-3811